How to Choose the Most Suitable Credit Cards for Your Lifestyle
How to Choose the Most Suitable Credit Cards for Your Lifestyle
Blog Article
How to Choose the Top Credit Cards for Your Lifestyle
Exploring the credit card rewards landscape can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with continuous 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 understand your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- International payments
- Other expenditures
This information helps us better understand your spending patterns and determine the best set of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our database of credit cards to calculate 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 reward and discount cards as well as Enrollment Offers.
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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**Dynamic Tracking and Advice**
Since card benefits can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.
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