Tips for Choosing the Most Suitable Credit Cards for Your Lifestyle

Tips for Choosing the Most Suitable Credit Cards for Your Lifestyle

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How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card rewards arena can be confusing with so many choices available, each offering different offers, benefits, and advantages. We've optimized the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to analyze 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 identify the most suitable group of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our collection of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.

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

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes to optimize your setup to enhance your miles earned. This adaptable process ensures you always have the optimal selection to gain the most advantages.

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