How to Choose the Best Credit Cards for Your Spending Habits

Exploring the credit card rewards options can be daunting with so many selections available, each offering different rewards, incentives, and perks. Our system simplifies the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Dining
- Overseas spending
- Other expenditures

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

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**Custom 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 earning ratios, caps, and exclusions.

We maintain an updated database 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 provide options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes to your selection to boost your benefit accrual. This dynamic approach ensures you always have the optimal selection to maximize your rewards and benefits.

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