If you often rely on your credit card for regular shopping, you could be missing a great way to save—using reward points. A lot of credit cards today offer these reward points, so you earn a little extra for every rupee you spend. If you use some of the tips we discussed here, your credit card can really save you money as time goes by.
So, continue reading this blog to know more about reward points and how they can save your money before you apply for credit card.
1. Earn Points
You use your credit card to earn points, whether you shop for food, fuel, eat out, or buy things online. Certain credit cards, like the AU SPONT credit card, can give you faster-earned rewards for dining, international spending, or paying utility bills.
Credit for these points goes directly into your rewards account, and you can view them using your credit card portal or mobile app.
2. Cashback and Vouchers
One of the best things about these rewards is their flexibility. Points can often be redeemed in several ways:
- Gift Vouchers: You can select from several brands in retail, fashion, electronics, or travel. If you visit the same shops every month, using reward points can quickly reduce your overall shopping bills.
- Cashback: A few credit cards let you exchange points for statement credit. As a result, your balance gets reduced, which means you get a discount on your purchases.
- Air Miles & Hotel Stays: Frequent travellers can redeem points for flight tickets or hotel stays, turning everyday purchases into subsidised vacations.
- Products & Merchandise: Many rewards catalogues let you get things like kitchen appliances and headphones using points collected with your card without spending any money.
You should use your points quickly so they do not expire, and make sure you are getting the most out of them. Wherever possible, check the rewards options in the rewards catalogue offered with your new card.
3. Milestone Benefits
A few credit cards even go so far as to provide milestone prizes. For instance, you can be eligible for bonus reward points or a waiver of annual fees if you spend one lakh in a year. Many Rupay credit cards also offer exclusive access to airport lounges, discounts on dining, and cashback on fuel transactions, which further enhance overall savings.
Top Features OfThe RuPay Credit Card
Looking for a credit card that fits perfectly with your everyday lifestyle? The Rupay credit card by AU Small Finance Bank is designed with convenience, flexibility, and rewards in mind. Whether you are shopping online, dining out, or filling up your fuel tank, this card offers smart benefits that make your spending more rewarding:
1. Reward Points on Every Spend
With every UPI transaction, you can earn five coins. It is an easy and efficient method to earn points for everyday spending like bills, food, and shopping. Additionally, you can get five hundred coins for your first UPI transaction via the app.
2. Easy EMI Conversion
High-value products can be bought on EMIs right at the store, helping you fit payments into your budget. For any purchase of ₹2,000 and more, you can take advantage of the flexible EMI choices with a tenure that is suitable for you.
3. Contactless and Fuel Surge Waiver
This card’s contactless function makes shopping at stores both safer and more convenient. Just use your mobile device to pay without handing your card to anyone. Get up to a ₹100 waiver on fuel purchases if your transaction is between ₹400 and ₹5,000 for each statement cycle.
Wrapping Up
Credit card rewards are not just a bonus—they can help you save money on purchases you already have to make. If you spend wisely, your everyday shopping can give you real benefits in the long run.
Credit cards can be very convenient as long as you use them wisely and consider your reward points as a bonus.So, apply for a credit card today and save your money!