5 smart ways to maximize credit card rewards in 2025!
Credit cards are more than just a convenient payment method. They are a powerful tool for smart spenders who know how to use them effectively. With the right strategy, you can turn everyday expenses into valuable rewards like cashback, travel benefits and special discounts. Here are five tips from sbi Card to become a smart spender and maximize credit card rewards in 2025:
Lifestyle-based spending
The key to maximizing rewards is to choose a credit card that suits your spending habits. If you are fond of traveling, choose co-branded airline or hotel cards that offer travel miles like the KrisFlyer sbi Card in partnership with singapore Airlines. If you have to travel frequently, look for credit cards with fuel surcharge waiver or cashback on travel expenses like bpcl sbi Card Octane which offers 7.25% value back and instant rewards points equivalent to 6.25% + 1% fuel surcharge waiver on transactions up to Rs 4,000. If you are a shopaholic, then credit cards with high cashback or points on online purchases will be the best option for you.
Category-based spending
Most credit cards offer higher rewards rates for specific categories like dining, groceries or entertainment so identify where you spend the most and use the credit card that offers maximum points or cashback in those categories. Some credit cards like SimplyClick sbi Card offer 10 times more rewards on online spends with exclusive partners.
Avail gift vouchers
Many premium credit cards offer reward points as welcome gifts on meeting specific spending thresholds within the first few months. For instance, super premium credit card Aurum offers 40,000 rewards points as welcome gifts to cardholders. Plan your big purchases, such as home appliances, gadgets or travel bookings, around the introductory period to unlock the full potential of these rewards. Premium credit card sbi Card Elite offers 5,000 reward points, while sbi Card Miles Elite offers a travel credit of Rs 5,000.
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