Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Top Credit Cards for Your Needs

Exploring the credit card benefits options can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
Fixed vs. Floating UOB Housing Loan Rates: Which is Right for You in 2024?

- E-commerce
- Tap-and-go
- Food and beverage expenses
- Overseas spending
- General Spend

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

===

**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, 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 Sign-up Bonuses.

We also offer options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

===
How the Singapore Fintech Festival is Shaping the Future of Finance for Young Singaporeans

**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.

===