Tips for Choosing the Top Credit Cards for Your Needs

Understanding the credit card benefits arena can be confusing with so many alternatives 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 determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Food and beverage expenses
- International payments
- General Spend

This information helps us better understand your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our collection of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We ensure our database is current of credit card offers from all key financial players 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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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your expenses and alerts you of changes to optimize your setup to enhance your miles earned. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

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