Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

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Steps to Select the Best Credit Cards for Your Needs

Understanding the credit card perks landscape can be overwhelming with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined 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 more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Dining
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our collection 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 reward and discount cards as well as Enrollment Offers.

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 expenses and notifies you of changes needed in your card portfolio to maximize your benefit accrual. This adaptable process ensures you always have the optimal selection to gain the most advantages.

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