Steps to Select the Most Suitable Credit Cards for Your Spending Habits
Steps to Select the Most Suitable Credit Cards for Your Spending Habits
Blog Article
Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits
Exploring the credit card benefits landscape can be confusing with so many choices available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.
**Analysing Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
Fixed vs. Floating UOB Housing Loan Rates: Which is Right for You in 2024?
- Online
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures
This information helps us gain insight into your spending patterns and determine the most suitable group of credit cards based on your spend.
===
**Personalized Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Sign-up Bonuses.
We also offer options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.
===
Nikko AM STI ETF vs SPY/VOO: Which ETF is Better for Young Singaporean Investors?
**Dynamic Tracking and Advice**
Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.
===