Tips for Choosing the Most Suitable Credit Cards for Your Needs

Tips for Choosing the Most Suitable Credit Cards for Your Needs

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How to Choose the Most Suitable Credit Cards for Your Needs

Exploring the credit card benefits landscape can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Food and beverage expenses
- International payments
- 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 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 ensure our database is current of credit card offers from all key financial players in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also offer 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 regularly refreshes its recommendations based on your usage patterns and alerts you of changes needed in your card portfolio to enhance your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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