Tips for Choosing the Top Credit Cards for Your Spending Habits

Tips for Choosing the Top Credit Cards for Your Spending Habits

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Steps to Select the Top Credit Cards for Your Spending Habits

Understanding the credit card rewards arena can be confusing with so many selections 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 informed if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Restaurant spending
- 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 database 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 miles and cashback cards as well as Welcome Incentives.

We also provide options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your usage patterns and informs you of changes to optimize your setup to enhance your miles earned. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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