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Credit Card Reward Points

Credit Card Reward Points

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Credit Card Rewards

In recent years, credit cards have emerged as the best payment mode for purchasing most luxury and premium items, and even for essential goods that you may be unable to purchase for any reason. Aside from ease, this payment method is also gaining popularity owing to credit card reward points that enable you to purchase a range of other items. Credit card reward points are offered by most of the major credit card companies, for whom credit card rewards and related mechanisms have emerged as an attractive way to hold onto customers. If you don’t have a credit card, apply for credit card and earn these reward points.

What are Reward Points?

Credit card points are accumulated each time you use your credit card to make a purchase. These credit card points will vary depending on the nature and price of the item you are purchasing. Additionally, credit card rewards differ from card to card, which makes checking the CC rewards system essential while you are opting for a card.

CC points, earned through purchases made via your credit card, can be redeemed by you to avail a range of products, services and benefits later. Also, if you are a student, you can apply for a student credit card and avail exciting offers.

How to Earn Reward Points on Credit Cards?

In order to redeem credit card points, you need to first earn those points. There are several ways to earn those points. Read on below to learn how you can earn the ability to redeem credit card reward points.



How to Earn Points

Regular Rewards

These are the points you earn routinely, regardless of the kind of purchase you make

Use your credit card to buy any item

Accelerated Rewards

Certain expenses through credit cards might enable you to earn more

Use your credit card to buy the items that earn accelerated rewards, such as grocery or flight tickets

Sign-up Rewards

Certain credit cards offer you these rewards if you spend a certain amount within a specified time period post availing the card

Meet the criteria specified by the credit card issuer

Milestone Benefit

These rewards can be yours if you spend a certain amount, identified as a milestone by the credit card company

Meet the milestone criteria set by the credit card issuing company

Renewal Points

These points can be earned by renewing your credit card

Renew your credit card

Add-on Cards

These points are earned on a supplementary card, but credited to your primary credit card

Use the add-on or supplementary credit card

Large Value Purchases

These points can be earned when you purchase a high ticket item, such as a group hotel booking or to buy jewellery

Use your credit card to make an expensive purchase

Credit Card Reward Catalogue

To redeem credit card rewards, you will never face a dearth of options. There are a range of items that you become eligible for when you seek out to redeem your credit card reward points value. You need to check your credit card reward points value in rupees and then you will be able to decide how best to redeem them. It is also necessary for you to check a few things before you set out to redeem your credit card points. These include:

  • The minimum points you are required to earn before you can opt for redemption
  • The expiry date for the points you have earned so far
  • The fee that you will be required to pay for redeeming the points earned on your credit card

However, once you have ironed out these details, you are in a position to treat yourself in a variety of ways with your credit card points. Read on to below to learn about how best you can use your credit card rewards. While these could differ from card to card to among the different credit card companies, the overall structure remains more or less the same.




Clothes, books, accessories, stationary, gadgets, beauty products

Gift Vouchers

Could be a voucher for a specified amount from an online or offline retailer that the credit card company is associated with

Air Miles

You can buy tickets outright or get them at discounted rates


You can convert the points earned into cash which can be used to pay your credit card bill or to shop more

Cash Credit

Similar to the cashback option, you can choose to convert your points into cash which can be used to make outstanding payments on your credit card


Points earned can be used to donate to charities listed with the credit card company

Frequently Asked Questions About Credit Card Rewards

  • ✔️How can I redeem my credit card reward points?

    You can redeem your credit card reward points through netbanking facilities, visiting the nearest branch of the company or even by filling out a reward redemption form that you can opt to receive via post.

  • ✔️What can I do with credit card reward points?

    With credit card reward points, you can opt to buy a range of goodies including flight tickets, jewellery or even make hotel bookings.

  • ✔️Can I convert credit card reward points to cash?

    Some credit card companies offer the option to convert their reward points to cash, but it can only be used for specific purposes such as paying outstanding balance on your credit card.

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