Credit Card Rewards & Cashback Guide
Maximize your earnings on every credit card transaction
Types of Credit Card Rewards
Cashback
0.5%-3% per transaction
Direct cash credit to account or statement
Reward Points
1 point per ₹100
Redeemable for travel, shopping, gift vouchers
Travel Miles
1 mile per ₹1 spent
Specifically for airline and hotel bookings
Accelerated Points
2-5 points per ₹100
Higher points on specific categories
Category-wise Cashback Rates
Groceries
3-4%
Walmart, Flipkart
Fuel
2-3%
All fuel pumps
Travel
3-5%
Airlines, hotels, buses
Shopping
1-2%
Online, offline retail
Dining
2-5%
Restaurants, food apps
Movies
1.5-3%
Cinemas, OTT platforms
Strategies to Maximize Rewards
Use Right Card for Category
Match card rewards with your spending category
Stack Rewards
Combine card cashback with shopping portal offers
Pay Full Balance
Avoid interest charges that exceed reward value
Redeem Wisely
Use points for high-value items like travel
Sign-up Bonuses
Get bonus points on meeting minimum spend
Referral Programs
Earn extra rewards by referring friends
Reward Redemption Options
Flight bookings on partner airlines
Hotel stays and resort packages
Shopping vouchers and gift cards
Bill payments and EMI conversion
Insurance premium payments
Cashback to bank account
Gadgets and consumer products
Donate to NGOs and charities