How to Choose the Top Credit Cards for Your Needs

How to Choose the Top Credit Cards for Your Needs

Blog Article

Steps to Select the Best Credit Cards for Your Needs

Understanding the credit card benefits options can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always informed if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Food and beverage expenses
- Overseas spending
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and determine the most suitable group 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 collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also offer 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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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to your selection to boost your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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