How to Choose the Top Credit Cards for Your Lifestyle

Understanding the credit card benefits landscape can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. Our system simplifies the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always informed if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Restaurant spending
- International payments
- Miscellaneous expenses

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

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our collection of credit cards to calculate 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 major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.

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

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to optimize your setup to maximize your miles earned. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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