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Using a credit card the right way can save you money, give you rewards, and even unlock perks you didn’t know existed. From cashback to travel offers, knowing how to use credit card for benefits means you’re not leaving money on the table. Whether you're booking flights, shopping online, or paying bills, small changes in how you use your card can lead to big gains. When you understand your card’s full potential, you tap into real value—through points, savings, and smart financial habits. Maximising credit card benefits isn’t about spending more; it’s about spending smarter.
Here is how you can make the most of common credit card benefits by understanding what each one offers and how it fits your spending habits:
Earn a percentage of your spending back as cash, helping you save money on everyday expenses like groceries, fuel, and utility bills.
Collect points every time you use your card and redeem them for travel, gift vouchers, merchandise, or even bill payments.
Enjoy special deals on dining, shopping, and entertainment through partnered merchants when you pay using your credit card.
Access airport lounges, get complimentary travel insurance, or earn air miles as part of your credit card travel benefits.
Save money at the petrol pump with fee waivers on fuel purchases made using your card.
Split large purchases into smaller, manageable payments without paying extra interest at select merchants and online stores.
Get higher credit card shopping benefits when you spend on specific categories like electronics, fashion, or groceries.
Receive bonus reward points, cashback, or vouchers when you activate and use your card for the first time.
Earn rewards or cashback on utility bill payments and mobile recharges made through your credit card.
Shop big-ticket items and convert payments into interest-free instalments during promotional periods at select outlets.
Get supplementary cards for family members with shared limits and similar rewards, all under one account.
Stay protected against unauthorised transactions if your card is lost or stolen and reported promptly.
Make fast, secure payments by simply tapping your card, saving time and reducing physical contact.
Unlock extra perks such as bonus points, vouchers, or gift items when you reach specific annual or monthly spend targets.
Here are simple ways to unlock your credit card travel benefits and make every journey more affordable, comfortable, and rewarding:
Earn air miles or bonus reward points when you use your card to book domestic or international flights.
Enjoy free meals, Wi-Fi, and quiet spaces at major airports through complimentary lounge access with select credit cards.
Some cards offer free travel insurance that covers delays, lost baggage, or emergency medical expenses while you’re abroad.
Choose cards that partner with airlines or booking sites to get exclusive flight and hotel discounts.
Convert your reward points into flight tickets or hotel stays directly through your card’s rewards portal.
Use cards with low or no forex markup charges to save money when spending abroad.
Reach travel-related spend goals to unlock perks like bonus miles, hotel vouchers, or companion tickets.
Always read the terms to avoid missing out on benefits due to blackout dates or unqualified purchases.
Some premium cards offer travel concierge support to help with bookings and personalised trip arrangements.
Select cards give complimentary status with hotel chains, offering upgrades, free breakfast, or late check-out.
Make bookings via travel wallets or apps to access extra discounts or limited-time cashback offers.
Here are simple ways to stretch your budget and get more from your credit card shopping benefits every time you make a purchase:
Choose cards that offer cashback on groceries, fuel, and utility bills to save money on regular expenses.
Earn extra reward points by shopping during bank-promoted sales or specific festive seasons.
Enable card-linked offers in your bank app to get instant discounts at retail and online partner stores.
Convert large shopping bills into easy monthly instalments without extra interest using zero-cost EMI features.
Use your card on weekends or during festival offers to get higher cashback and exclusive discounts.
Use your reward points to buy items from your bank’s or card issuer’s online shopping portal.
Spend more on categories where your card offers bonus rewards to get maximum return for your purchases.
At e-commerce sites, select the no-cost EMI option at checkout to spread payments without paying extra.
Apply card-specific promo codes at checkout to unlock instant discounts and additional offers.
Avoid going over your credit limit to prevent penalties and protect your card’s benefits eligibility.
Use co-branded cards at partnered retail chains for additional loyalty points and exclusive savings.
Get notified about flash sales, bonus point events, and special shopping offers from your card issuer.
Link your credit card to apps like Amazon Pay or Paytm to access exclusive cashback and seasonal deals.
Stack credit card offers with e-commerce site discounts to double your savings.
Reach annual spend thresholds faster by allowing family members to use add-on cards under your account.
Qualify for bonus rewards or waiver of renewal fees by meeting yearly spend targets.
Here are smart ways to earn more points and get better value when redeeming them through your card’s reward programme:
Spend more in categories like groceries, fuel, or dining where your card offers bonus reward points
Watch out for limited-time promotions that give extra points or higher redemption value
Use your card issuer’s rewards portal to earn extra points and access special discounts while shopping
Focus your spending on one or two cards instead of many to accumulate points faster
Always check the expiry dates on your points to avoid losing unused rewards
Redeem points for high-value rewards such as travel bookings or shopping vouchers
Pay utility bills like electricity or phone using your card if they qualify for reward points
Enable auto-pay on recurring bills to earn points consistently without missing payments
Take advantage of seasonal promotions where you can redeem more for fewer points
Review your card’s reward conversion rates to ensure you're getting maximum value
Here are simple ways to earn more rewards and redeem them smartly for maximum value:
Use your card for everyday spends like groceries, fuel, and bills to build up points steadily
Choose a card that aligns with your lifestyle to earn faster, whether on travel, dining, or online shopping
Take advantage of bonus point events, such as festive offers or spending milestones
Shop on partner platforms or apps where your card gives extra points or exclusive deals
Focus on high-value redemptions like travel bookings, large gift vouchers, or cashback options
Avoid redeeming points for low-value items, as the return is usually poor
Keep an eye on expiry dates to ensure your reward points don’t go unused
Track your points balance regularly using your bank app or monthly statement
Set alerts or reminders for redemption thresholds or point expiry
Stack rewards with other offers like discounts or cashback for even better returns
Here are easy ways to make the most of your card’s cashback features and discount offers without paying extra fees:
Pick a card that gives higher cashback on your most frequent expenses like groceries or fuel
Shop during special promotions where your card offers extra cashback or exclusive partner discounts
Use your card on partner websites or apps to unlock hidden deals or limited-time discounts
Check monthly spending limits for cashback so you don’t miss out on eligible returns
Pay your full bill before the due date to avoid interest charges that reduce your savings
Avoid cash withdrawals, as they attract high fees and offer no cashback benefits
Track your cashback earnings each month through your statement or banking app
Use instant discount offers at checkout to save immediately without waiting for cashback
Combine card cashback with store or platform discounts for maximum value
Watch out for annual fees and see if your cashback earnings exceed those charges
Here are simple steps to help you avoid extra charges while still enjoying all your credit card benefits:
Always clear your entire balance to avoid interest charges that can quickly reduce the value of your rewards.
Never miss a due date by enabling automatic payments or setting alerts on your phone or banking app.
Withdrawing cash attracts high fees and interest from day one, without giving you any rewards in return.
Keeping your usage low helps protect your credit score and avoids over-limit charges.
Choose cards that cancel annual fees when you meet a yearly spending target.
Review your monthly bill to catch any fees, errors, or missed cashback in time.
Use cards with low or no forex charges to save money on overseas transactions.
Read the fine print on discounts and cashback deals to avoid ineligible spending.
If your card’s benefits no longer suit your needs, switch to a no-fee or better-suited option.
Using a credit card the right way not only gives you rewards and perks—it also helps shape your financial future. Every swipe, when managed well, plays a role in building a strong credit history. A good credit score can make it easier to get loans, lower interest rates, or even qualify for better cards. Plus, you still enjoy credit card benefits like cashback and points along the way.
To get there, always pay your bills on time and avoid rolling over balances. Keep your card usage under 40% of the credit limit, as this shows you can manage money well. The longer you keep your account active and in good standing, the better it reflects on your credit report. Over time, this responsible use not only unlocks financial opportunities but also earns rewards on the spending you already do. It’s a simple habit that pays off in more ways than one.
Maximise credit card rewards by using your card for everyday purchases, selecting bonus categories, paying bills on time, and redeeming points for high-value options like travel or vouchers.
The 2-3-4 rule limits credit card applications to two new cards in 30 days, three in 12 months, and four in 24 months to maintain healthy credit management.
Get the most from your credit cards by aligning them with your spending habits, activating offers, paying in full monthly, and utilising cashback, points, and credit card benefits wisely.
Yes, you can earn money using a credit card through cashback, reward points, discounts, and partner offers, provided you pay your dues on time and avoid interest charges.
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Posted on 16 May
Roshani Ballal
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