7 WAYS TO EARN MORE CREDIT CARD POINTS AND MILES

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Choosing a credit card that suits your lifestyle is the first and foremost step to ensuring that you make the best of reward plans.

Credit card reward points can be easily earned these days, given that you know the tricks of doing so. Every credit card company will offer a reward program scheme to stand out from their competitors and of course, to increase their overall customer base. So, for every penny that you spend, you will earn reward points that can be redeemed.

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So, how do you maximize credit card reward points? There is no harm in getting something for nothing. Understand that every purchase made with a credit card carries a reward value. To ensure that you make the best of the reward plan, here are a few tips to make a note of:

1. Choose a credit card that suits your lifestyle

The first and foremost step is to select a credit card for your day-to-day purchases. Though there are a plethora of options, look for a card that not only suits your lifestyle needs but also pays off 1.5% (minimum) on every purchase.

2. Sign up at the right time

Once you have chosen the card based on your needs, learn when to avail it and when not to. Most of you might not be aware of the fact that there is a wrong and right times to sign up for the credit cards that offer reward points.

3. Redeem reward points regularly

A mistake most people tend to make with a credit card is to save reward points for a long time and then using the whole pile in a single go. This happens frequently with flyer miles and hotel points. Understand that every year the card issuers increase the points required for redeeming against things of value. Therefore, over a period, the points will turn less valuable even if you accumulate a lot of them.

4. Use an online portal that offers cashback

Each time you make a purchase online, the possibilities of earning additional points also increase, especially on cashback, miles, etc. Most credit card banks will have their own shopping portals from which purchases can be made.

5. Utilise bonus opportunities

A credit card bonus is an amazing way to double or sometimes, triple the overall reward earnings.

6. Focus more on food and grocery

Although it is quite tempting to sign up for credit cards that offer extra reward points for specific purchases, a mistake most do is to buy too many cards.

7. Maximise benefits during the interest-free period

Typically, credit card companies will offer an interest-free period on transactions between the range of 15 and 50 days. This duration usually falls from the transaction date and the due date to pay it back.