How to Choose the Most Suitable Credit Cards for Your Needs
How to Choose the Most Suitable Credit Cards for Your Needs
Blog Article
Steps to Select the Top Credit Cards for Your Needs
Exploring the credit card benefits options can be overwhelming with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.
**Analysing Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- Foreign Currency Spend
- Other expenditures
This information helps us better understand 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 collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We keep a current repository of credit card offers from all key financial players 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 fee-waived cards initially.
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**Continuous Monitoring and Recommendations**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes to your selection to enhance your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.
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