How to Choose the Top Credit Cards for Your Needs

How to Choose the Top Credit Cards for Your Needs

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How to Choose the Best Credit Cards for Your Needs

Navigating the credit card rewards options can be daunting with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always informed if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- Other expenditures

This information helps us better understand your spending patterns and recommend the most suitable group of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our repository 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 miles and cashback cards as well as Enrollment Offers.

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

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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 informs you of changes needed in your card portfolio to enhance your rewards collection. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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