Steps to Select the Top Credit Cards for Your Lifestyle

Understanding the credit card benefits landscape 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 continuous monitoring so that you are always informed if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- Overseas spending
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and recommend the best set of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our automated tool 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 reward rates, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also suggest options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes to optimize your setup to maximize your rewards collection. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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