Steps to Select the Top Credit Cards for Your Spending Habits

Steps to Select the Top Credit Cards for Your Spending Habits

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Steps to Select the Best Credit Cards for Your Needs

Exploring the credit card benefits arena can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. Our system simplifies the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always informed 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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- Online
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- 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 automated tool 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 reward rates, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Enrollment Offers.

We also offer options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your spending and notifies you of changes needed in your card portfolio to enhance your benefit accrual. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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