Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

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How to Choose the Best Credit Cards for Your Needs

Understanding the credit card rewards landscape can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. We've optimized the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.



**Evaluating Your Spending Habits**

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

This information helps us identify your spending patterns and determine the optimal collection 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 earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Sign-up Bonuses.

We also provide options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your expenses and alerts you of changes needed in your card portfolio to maximize your miles earned. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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