How to Choose the Most Suitable Credit Cards for Your Needs
How to Choose the Most Suitable Credit Cards for Your Needs
Blog Article
Steps to Select the Best Credit Cards for Your Needs
Exploring the credit card benefits options can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are improved choices for you.
**Evaluating Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures
This information helps us better understand your spending patterns and identify the best set of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our automated tool 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 incentive percentages, caps, and exclusions.
We maintain an updated database of credit card offers from all major banks and financial institutions 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 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 keeps track of its recommendations based on your usage patterns and notifies you of changes to your selection to enhance your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.
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