Tips for Choosing the Most Suitable Credit Cards for Your Needs

Navigating the credit card perks options can be daunting with so many selections available, each offering different rewards, incentives, and perks. We've optimized the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are improved choices 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
- Restaurant spending
- Overseas spending
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and identify the best set 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 leading banks and providers in Singapore, including air miles and rebate options as well as Enrollment Offers.

We also suggest 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 offers and conditions can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes to your selection to maximize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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