How to Choose the Top Credit Cards for Your Spending Habits
How to Choose the Top Credit Cards for Your Spending Habits
Blog Article
Steps to Select the Best Credit Cards for Your Lifestyle
Understanding the credit card perks landscape can be daunting 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 perpetual monitoring so that you are always kept updated if there are improved choices for you.
**Analysing Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures
This information helps us gain insight into your spending patterns and determine the optimal collection 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 collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Sign-up Bonuses.
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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**Dynamic Tracking and Advice**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes to optimize your setup to enhance your miles earned. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.
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