Tips to make the most of your credit card
1. Use reward points
- Many cards earn points on every spend.
- Some allow conversion to airline miles or travel vouchers.
- Higher annual spending may unlock better reward rates (card-specific).
2. Look for travel platform offers
- Banks often run tie-ups with airline and travel portals.
- These may include cashback, bonus points, or discounts.
3. Use lounge access
- Select cards offer complimentary domestic and international lounge access.
- This can save costs during long layovers or early arrivals.
4. Check foreign currency markup
- Most Indian cards charge ~1–3.5% on foreign currency spends.
- Travel-focused cards may offer lower or zero markup.
5. Consider EMI options
- High-value tickets can sometimes be converted into EMIs.
- Always check processing fees and interest terms before opting in.
6. Check complimentary travel insurance
- Some cards include coverage for baggage delay, trip cancellation, or emergencies abroad.
- Coverage and limits vary by card.
