Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

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Tips for Choosing the Most Suitable Credit Cards for Your Needs

Exploring the credit card rewards arena can be daunting with so many alternatives available, each offering different miles, cashback, and bonuses. Our system simplifies the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- Foreign Currency Spend
- 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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**Personalized Credit Card Recommendations**

Next, our automated tool 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 earning ratios, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback 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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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes to your selection to boost your miles earned. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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