Rewards Strategy

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

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