Steps to Select the Top Credit Cards for Your Spending Habits
Navigating the credit card perks arena can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. We have streamlined the process to assist you in beginning 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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- Online
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses
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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**Custom Credit Card Recommendations**
Next, our AI-driven platform 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 leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.
We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.
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**Dynamic Tracking and Advice**
Since credit card terms can change over time, our platform keeps track of its recommendations based on your expenses and notifies you of changes to your selection to enhance your benefit accrual. This proactive method ensures you always have the optimal selection to gain the most advantages.
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