Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

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Tips for Choosing the Best Credit Cards for Your Spending Habits

Navigating the credit card rewards landscape can be confusing with so many selections available, each offering different miles, cashback, and bonuses. We have streamlined the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures

This information helps us identify your spending patterns and recommend the best set of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also offer options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your usage patterns and informs you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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