How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

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How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card rewards landscape can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend

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 repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Enrollment Offers.

We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your usage patterns and alerts you of changes needed in your card portfolio to maximize your miles earned. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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