Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

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How to Choose the Most Suitable Credit Cards for Your Spending Habits

Exploring the credit card rewards options can be daunting with so many selections available, each offering different miles, cashback, and bonuses. 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 improved choices for you.



**Analysing Your Spending Habits**

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

This information helps us better understand your spending patterns and determine 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 database 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 miles and cashback 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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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your expenses and informs you of changes needed in your card portfolio to boost your benefit accrual. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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