How to Make the Most of Credit Card Offers?

Issuers attract potential customers by offering a wide range of credit card offers in the form of discounts and cashback. When you pay with a credit card instead of cash or a debit card, you earn reward points and save more on each purchase.


Accumulating credit card reward points allows you to redeem them for a plethora of benefits, as per the issuer’s offerings. Here’s a quick overview of the offers and rewards you can get to maximise your savings.


Understand the Rewards System


The key to maximising your credit card rewards is knowing how your card’s reward structure works. Simply put, these rewards are bonus points you earn when you spend a certain amount.


Say the issuer offers 1 reward point for every ₹50 transaction. This simply means that when you spend ₹5,000 on this card, you can earn 100 points. You can accumulate multiple points to buy products from the catalogue, get cashback, avail offers and discounts, earn air miles and more.


Note that some issuers may charge a reward redemption fee, which is a nominal fee levied for utilising reward points. The best way to use reward points is to save on everyday expenses, such as fuel, dining, online shopping, etc. However, you can also use them to make big-ticket purchases, such as flights and hotel bookings.  


Watch Out for Offers in Multiple Categories


Apart from earning points, you can also use the latest offers from top issuers. Credit card companies partner with multiple retailers and brands, so you can save on your purchases. Be sure about the offer’s terms and conditions and its expiration date to ensure you benefit from the purchase. Have a look at some offers across various categories. 


Be it a smart TV, camera, fridge, or laptop, you can shop smart by making the most of credit card offers. For instance:

  1. You get ₹22,500 as cashback when you shop from Sony and opt for the EMI facility using a Kotak Credit Card.

  2. You get up to ₹10,000 as cashback from Whirlpool when you shop with the One Credit Card*.


Enjoy exciting discounts when you book movie tickets at select platforms. Check out a few offers:

  1. You can get a 25% discount of up to ₹100 when you purchase two tickets purchases twice a month on BookMyShow with the ICICI Bank Credit Card.

  2. You get up to 30% value back on various entertainment transactions with the One Credit Card*.


Groceries, Food Delivery and Dining


Here are a few offers on dining and groceries from card issuers. Use these benefits on time to ensure you don’t miss out on them.

  1. You get a minimum of 10% as value back on online grocery shopping from Blinkit, Star Bazaar, etc., with the One Credit Card*. 

  2. You get up to 10% cashback on orders from Swiggy, 5% on other online apps and 1% on offline spends of up to ₹1,500 with the Swiggy HDFC Bank Credit Card.

Retail Shopping

From clothes, shoes, and home decor to luxury products, credit card issuers give discounts and cashback on online and offline purchases. For instance:

  1. You get an instant 10% discount on your purchase at the Tata CLiQ Luxury website or mobile apps on the weekend with the ICICI Bank Credit Card.  

  2. You get up to ₹2,750 off when you exceed ₹10,000 on Flipkart purchases using your One Credit Card*.


Many credit card issuers partner with leading travel websites, allowing you to enjoy numerous travel benefits. For instance: 

  1. You get up to 20% discount on domestic and 10% on international flight bookings on MakeMyTrip with SBI Credit Cards. 

  2. You get up to 15% off on your flight and hotel bookings with the One Credit Card* on MakeMyTrip, Yatra, and Goibibo.


Knowing these offers beforehand can help you zero in on a credit card that gives you maximum benefits. Note that most offers are available for a limited period only. After their expiration date, issuers will unlock other offers, as per their discretion.


This is why it’s crucial to check your card’s offer periodically, so you don’t miss out on these benefits. In addition to that, you must keep track of the expiration date of your credit card reward points, as missing it can lead to a missed opportunity.


*Offers may vary with time. Please check your One Credit Card app for the latest information.


One Credit Card users don’t have to worry about any of this, as this new-age metal card has evergreen reward points. Its powerful mobile app also makes keeping an eye on offers easier than ever!


With its 5X reward points, you can also multiply your points in the top two categories. Having no annual or joining fee, no reward redemption fee, or any other hidden charge helps you save more than other cards. So, apply online to get started on your application. 


About The Author