How to Choose the Best Credit Cards for Your Lifestyle

How to Choose the Best Credit Cards for Your Lifestyle

Blog Article

How to Choose the Most Suitable Credit Cards for Your Needs

Understanding the credit card benefits options can be daunting with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Dining
- International payments
- General Spend

This information helps us gain insight into your spending patterns and identify the best set of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our database of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, 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 Welcome Incentives.

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 regularly refreshes its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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