Tips for Choosing the Most Suitable Credit Cards for Your Needs

Navigating the credit card perks options can be daunting with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always aware if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Dining
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our repository of credit cards to evaluate 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 key financial players in Singapore, including reward and discount cards as well as Enrollment Offers.

We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your usage patterns and informs you of changes to your selection to boost your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.

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