Tips for Choosing the Most Suitable Credit Cards for Your Lifestyle

Understanding the credit card rewards arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always informed 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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- E-commerce
- Contactless
- Restaurant spending
- International payments
- General Spend

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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**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 earning ratios, caps, and exclusions.

We maintain an updated database 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 cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to boost your benefit accrual. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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