Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

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How to Choose the Top Credit Cards for Your Needs

Navigating the credit card rewards arena can be confusing with so many choices available, each offering different offers, benefits, and advantages. We've optimized the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always informed if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Restaurant spending
- Overseas spending
- Other expenditures

This information helps us identify 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 automated tool 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 major banks and financial institutions in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also provide 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 credit card terms can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes needed in your card portfolio to boost your miles earned. This proactive method ensures you always have the best credit card portfolio to gain the most advantages.

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