Credit cards and their rewards
Rewards come in all shapes and sizes, especially with credit cards offering you cash back, points or miles that you can redeem for credits from statements, travel, gift cards, and much more. To fully optimise the experience and advantages of your credit card, learning how credit card reward points work is important for you.
Here are a few tips on how you can boost your cash back, points and miles in order to ensure you get the most benefit from your credit card rewards.
Ways to maximize credit card rewards
1.See if you’re using the right card
Have a variety of credit cards that provide credit card offers to increase the credit card reward points you gain from your transactions. For example, make sure you use the card that gives credit card reward points on transactions over INR 1000 when the bill exceeds INR 1000. A second card might give cashbacks on purchases made from a certain store, so use it when you shop at that store.
In saying this, bear in mind that it is advisable to avoid opening too many cards in close succession to each other, since their bills will pile up together. Delay in credit card payment will negatively affect your credit score negatively.
2. Use it for as many purchases as possible
Every transaction you make with your credit card earns you some credit card reward points. Considering that, if you don’t use it in all payments possible, and opt for using your debit card, UPI or cash, you’re missing out on credit card reward points you could earn.
3. Spend within your limits
Credit card reward points or credit card offers are not excuses for overusing the card and spending beyond your means. To earn credit card rewards, it’s easier to follow your budget and not change your spending habits.
4. Use your rewards
The value of the credit card reward points or credit card offers can vanish or decrease over time. To make the best use of them, use them regularly.
5. Look out for all your options
As credit card companies introduce new credit card offers and launch new cards, the best rewards for credit cards also change. Take a look at the rewards cards available every six months to a year. There is a high probability that you find a card that is better suited to your needs than your existing cards.
6. Pay your credit card bills on time and in full
The benefits you get from credit card rewards points can be diminished or wiped out by interest charges. Rewards cards also appear to have higher interest rates than other credit card forms, making this even more of an issue. You won’t be charged credit card interest if you pay your card off every month.
Delay in credit card payments will have a negative impact on your credit score, which throws bad light on your credit worthiness.
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