Tips for Choosing the Most Suitable Credit Cards for Your Needs
Tips for Choosing the Most Suitable Credit Cards for Your Needs
Blog Article
How to Choose the Most Suitable Credit Cards for Your Spending Habits
Exploring the credit card rewards arena can be confusing with so many choices 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 continuous monitoring so that you are always aware if there are more suitable options for you.
**Analysing 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 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 ensure our database is current 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 provide options for further optimization such as only focusing on select bank offerings 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 keeps track of its recommendations based on your usage patterns and alerts you of changes to optimize your setup to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.
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