How to Choose the Most Suitable Credit Cards for Your Spending Habits

How to Choose the Most Suitable 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 options can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Dining
- International payments
- General Spend

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

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**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our collection of credit cards to evaluate 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 leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also provide options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes to optimize your setup to maximize your benefit accrual. This dynamic approach ensures you always have the ideal set of cards to maximize your rewards and benefits.

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