Tips for Choosing the Best Credit Cards for Your Needs

Tips for Choosing the Best Credit Cards for Your Needs

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Steps to Select the Best Credit Cards for Your Needs

Understanding the credit card benefits arena can be daunting with so many choices available, each offering different offers, benefits, and advantages. We have streamlined the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always aware if there are better cards available 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
- Tap-and-go
- Dining
- International payments
- Miscellaneous expenses

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

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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository 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 offer options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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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 needed in your card portfolio to maximize your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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