Steps to Select the Most Suitable Credit Cards for Your Needs

Steps to Select the Most Suitable Credit Cards for Your Needs

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Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Exploring the credit card perks arena 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 perpetual monitoring so that you are always kept updated if there are better cards available for you.



**Understanding 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
- Overseas spending
- Other expenditures

This information helps us gain insight into your spending patterns and recommend the optimal collection of credit cards based on your spend.

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**Tailored 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 earning ratios, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also offer options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your usage patterns and notifies you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the optimal selection to gain the most advantages.

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