How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Most Suitable Credit Cards for Your Needs

Exploring the credit card perks arena can be overwhelming with so many alternatives 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 continuous 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 analyze your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Food and beverage expenses
- Overseas spending
- General Spend

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

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**Personalized Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also provide options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes to optimize your setup to enhance your miles earned. This adaptable process ensures you always have the best credit card portfolio to achieve the highest returns.

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