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 Spending Habits

Exploring the credit card perks options can be overwhelming with so many choices 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 aware if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Dining
- Foreign Currency Spend
- Other expenditures

This information helps us identify your spending patterns and recommend the optimal collection 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 reward rates, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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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 expenses and alerts you of changes needed in your card portfolio to enhance your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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