Tips for Choosing the Top Credit Cards for Your Spending Habits
Tips for Choosing the Top Credit Cards for Your Spending Habits
Blog Article
How to Choose the Best Credit Cards for Your Spending Habits
Navigating the credit card rewards options can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. Our system simplifies 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 better cards available 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
- Tap-and-go
- Restaurant spending
- Overseas spending
- General Spend
This information helps us better understand your spending patterns and recommend the optimal collection 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 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 keep a current repository 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 provide 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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**Continuous Monitoring and Recommendations**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your expenses and notifies you of changes to optimize your setup to boost your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.
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