Tips for Choosing the Most Suitable Credit Cards for Your Needs

Tips for Choosing the Most Suitable Credit Cards for Your Needs

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How to Choose the Top Credit Cards for Your Needs

Navigating the credit card rewards options can be overwhelming with so many selections available, each offering different rewards, incentives, and perks. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are more suitable options for you.



**Understanding 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
- Dining
- International payments
- General Spend

This information helps us gain insight into your spending patterns and recommend 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 database of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.

We also offer options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes to optimize your setup to boost your rewards collection. This dynamic approach ensures you always have the best credit card portfolio to achieve the highest returns.

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