Having a credit card from RuPay can allow you to convert your regular spending into meaningful savings. All you need to do is to understand its basic working principles and smart ways to plan your expenses. Arranging your expenses in an organised way can help to identify how much you’ve spent on categories like groceries, shopping, bills and more. In this aspect, we’ll discuss the ways you can get the most benefits from your RuPay card so you can be ready to confidently apply for credit card online.
Rewards Structure
Direct cashback is the core objective of RuPay credit cards. With these credit cards, you can get cashbacks of 1% on UPI transactions through major categories such as departmental stores, dining, groceries, and pharmacies, with a minimum purchase of ₹200. However, some cards have capped limits of up to ₹100 or ₹500 per statement cycle.
You can also get 1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 at all fuel stations across the nation (up to ₹100 per statement cycle).
Prioritise High-Earning Payment Channels
UPI transactions often give the most consistent and valuable cashback across platforms and their benefits can be increased with RuPay credit cards. Linking these credit cards with your UPI payment application allows you to earn cashback on both e-commerce and retail stores.
Besides that, you can also use the feature of contactless payment and point of sale transactions. In practice, these means of online transactions allow you to get cashbacks on both UPI and card payments.
Plan Around Spending Categories and Milestones
The possibility of getting rewards can be increased once you organise your routine expenses into categories that you spend mostly on. For example, if you frequently do regular grocery shopping or dine out on weekends, paying through RuPay credit cards can get you attractive rewards and assured cashbacks.
In addition to per-transaction cashback, some programs may offer milestone-related incentives. These benefits may include special bonus rewards or improved redemption opportunities if you meet the specified annual spending limit.
Redeem Efficiently for Maximum Value
Cashbacks are usually posted directly to your credit account. These systems assist in reducing your overall outstanding balance. On some cards, you can earn never-expiring coins with UPI transactions. You can use those accumulated reward counts for gift cards, merchandise, or coupons available on the credit card’s website. In this way, you can plan to use the accumulated coins on high-value gift cards or curated services.
Know the Caps, Exclusions, and Fees
Although RuPay credit cards are beneficial, some of them also come with annual and joining fees. Being aware of such charges can help you select the right card for you. Meanwhile, some cards also offer lifetime free credit cards and up to 48 days of interest-free breathing space with every transaction. To get more details, thoroughly review the credit card’s page.
Best Practices
Now you know how to use RuPay credit cards smartly to get rewards on each transaction. Let’s have a closer look at a few considerations to use these cards wisely:
- Track your cashback and transaction history through the card provider’s app or online portal for mindful spending.
- Monitor balances regularly to track milestone progress and avoid missing reward expiry windows.
- Avoid carrying high revolving balances, as interest costs can quickly negate the value of any cashback earned.
Final Thoughts
Maximising the RuPay credit cards rewards program is made with the principle of structured planning and disciplined usage. You can turn your regular expenses into getting cashback when you make transactions through high-earning payment channels, focusing on eligible categories, planning around caps and exclusions. Moreover, with awareness and regular tracking, you can smartly manage your routine spending and get the most out of your card.