{"id":24091,"date":"2023-05-26T17:26:54","date_gmt":"2023-05-26T11:56:54","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=24091"},"modified":"2023-05-30T15:21:02","modified_gmt":"2023-05-30T09:51:02","slug":"how-to-maximise-the-benefit-of-your-credit-card-2023","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/","title":{"rendered":"How to maximise the benefit of your credit card 2023"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d69b73e9f53\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d69b73e9f53\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#1_Choose_the_Right_Credit_Card_for_Your_Needs\" title=\"1. Choose the Right Credit Card for Your Needs\">1. Choose the Right Credit Card for Your Needs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#2_Understand_the_Rewards_Program\" title=\"2. Understand the Rewards Program\">2. Understand the Rewards Program<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#3_Utilise_Introductory_Offers_and_Promotions\" title=\"3. Utilise Introductory Offers and Promotions\">3. Utilise Introductory Offers and Promotions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#4_Pay_your_balance_in_full_and_on_time\" title=\"4. Pay your balance in full and on time\">4. Pay your balance in full and on time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#5_Take_Advantage_of_Additional_Benefits\" title=\"5. Take Advantage of Additional Benefits\">5. Take Advantage of Additional Benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#6_Monitor_Your_Spending_and_Track_Rewards\" title=\"6. Monitor Your Spending and Track Rewards\">6. Monitor Your Spending and Track Rewards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#7_Avoid_Unnecessary_Fees\" title=\"7. Avoid Unnecessary Fees\">7. Avoid Unnecessary Fees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#8_Use_Credit_Card_Tools_and_Apps\" title=\"8. Use Credit Card Tools and Apps\">8. Use Credit Card Tools and Apps<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<p>Ever Credit cards have become an integral part of our financial lives, offering convenience, flexibility, and rewards. However, to truly maximise the benefits of your credit card, it&#8217;s essential to understand its features and utilise them strategically.<\/p>\n<p>&nbsp;<\/p>\n<p>Today, we will explore valuable tips and strategies to help you make the most out of your credit card and enhance your financial well-being.<\/p>\n<p>&nbsp;<\/p>\n<p>But, before we get in to that let us discuss some risks associated with having and not having a credit card:<\/p>\n<p>&nbsp;<\/p>\n<p>Credit cards are one of the most powerful way of build your credit score. Why is credit score important? Because any bank looks upon you favourably if you have a good credit score. You will get loans at better interest rate than a person without any credit history as you have proved your ability to repay your debt on time.<\/p>\n<p>&nbsp;<\/p>\n<p>But credit card is also dangerous for those who lack the discipline to pay their dues on time. If you take a credit card and don&#8217;t pay our dues on time and don&#8217;t pay the full balance every month then it can have disastrous effect on your credit history and your bank will look very unfavourably on you while you approach them for any credit in the future.<\/p>\n<p>&nbsp;<\/p>\n<p>Then the rates will much higher for you than someone with no credit history. This is the reason why you should be very careful while using a credit card and if you don&#8217;t have a credit card, consider all the important factors, before deciding to get one.<\/p>\n<p>&nbsp;<\/p>\n<p>If you are confused about wether you should get a credit card or not, <a href=\"https:\/\/kuvera.in\/blog\/pros-and-cons-of-credit-cards-do-you-really-need-a-credit-card\/\">read this.<\/a> Also remember, effective immediately, all international credit card transactions are now included in the liberalised remittance scheme (LRS), subject to a 20% tax collection at source (TCS). Additionally, individuals using their international debit or credit cards can make payments up to Rs 7 lakh per financial year without any LRS limits or TCS implications.<\/p>\n<p>&nbsp;<\/p>\n<p>Now, let us take a look how can get the maximum benefit from your credit cards:<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"1_Choose_the_Right_Credit_Card_for_Your_Needs\"><\/span><strong>1. Choose the Right Credit Card for Your Needs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Selecting the right credit card is crucial for optimising its benefits. Consider factors such as rewards programs, interest rates, annual fees, and additional perks. Determine whether you prefer cashback, travel rewards, or other incentives based on your spending habits and lifestyle.<\/p>\n<p>&nbsp;<\/p>\n<p>If you are a frequent shopper then you can get credit card that offers rewards and cashbacks on various shopping websites, if you are a frequent traveler then you might prefer credit cards that offer offers and rewards on air ticket, hotels and airport lounge access etc.<\/p>\n<p>&nbsp;<\/p>\n<p>Many people also carry multiple credit cards, each to be used for a specific purpose but this is very risky especially if you are new credit card user.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"2_Understand_the_Rewards_Program\"><\/span><strong>2. Understand the Rewards Program<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Take the time to understand the rewards program associated with your credit card. Familiarise yourself with earning rates, redemption options, and any restrictions or expiration dates.<\/p>\n<p>&nbsp;<\/p>\n<p>You should throughly read the terms and conditions of credit card and know all the fine details associated with the card. You can also compare each of the card to find out the one best suited for you. This knowledge will allow you to accumulate and redeem rewards effectively, maximising their value.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"3_Utilise_Introductory_Offers_and_Promotions\"><\/span><strong>3. Utilise Introductory Offers and Promotions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Many credit cards offer attractive introductory offers, such as zero interest rates on balance transfers or initial purchases, bonus reward points, or waived annual fees.<\/p>\n<p>&nbsp;<\/p>\n<p>Capitalise on these promotions by timing your applications and utilising the offers during their validity period.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"4_Pay_your_balance_in_full_and_on_time\"><\/span><strong>4. Pay your balance in full and on time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>To avoid high interest charges and penalties, it&#8217;s essential to pay your credit card balance in full and on time each month. Do not pay the minimum limit and always pay the balance in full to avoid damaging your credit score and unnecessary fees and interest expenses.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"aligncenter wp-image-22082\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-300x76.jpg\" alt=\"\" width=\"640\" height=\"161\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-300x76.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-150x38.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03.jpg 600w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"5_Take_Advantage_of_Additional_Benefits\"><\/span><strong>5. Take Advantage of Additional Benefits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Credit cards often come with additional benefits such as purchase protection, extended warranties, travel insurance, airport lounge access, and concierge services.<\/p>\n<p>&nbsp;<\/p>\n<p>Familiarise yourself with these perks and use them when applicable to enhance your overall experience and save money. Avoid being greedy and spending beyond your means to avail the extra benefits of the card.<\/p>\n<p>&nbsp;<\/p>\n<p>You should not be spending more than you would have if you didn&#8217;t have the credit card.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"6_Monitor_Your_Spending_and_Track_Rewards\"><\/span><strong>6. Monitor Your Spending and Track Rewards<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Regularly monitor your credit card statements, track your spending, and keep an eye on your rewards accumulation. This practice helps you stay within your budget, detect any fraudulent activities, and optimise your reward-earning potential.<\/p>\n<p>&nbsp;<\/p>\n<p>To understand more about credit cards frauds and how you can prevent them, <a href=\"https:\/\/kuvera.in\/blog\/top-5-credit-card-frauds-in-india-2023-kuvera\/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=top-5-credit-card-frauds-in-india-2023-kuvera\">click here<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"7_Avoid_Unnecessary_Fees\"><\/span><strong>7. Avoid Unnecessary Fees<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Be mindful of potential fees associated with your credit card, such as annual fees, foreign transaction fees, late payment fees, or cash advance fees.<\/p>\n<p>&nbsp;<\/p>\n<p>These fees are generally quite higher than By understanding and avoiding these fees, you can ensure that your credit card works in your favor rather than draining your finances.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"8_Use_Credit_Card_Tools_and_Apps\"><\/span><strong>8. Use Credit Card Tools and Apps<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Leverage technology to your advantage by utilising credit card tools and mobile apps. These tools can help you track expenses, set budgeting goals, receive notifications about due dates and rewards, and manage your credit card usage more efficiently.<\/p>\n<p>&nbsp;<\/p>\n<p>You should also track your credit card score regularly. This way you can see the effect any late payment has on your credit score.\u00a0 This is especially important if you have more than one credit card.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Your credit card can be a powerful financial tool when used strategically. By choosing the right card, understanding its features, and following these tips, you can unlock the maximum benefits from your credit card. Remember to use it responsibly, pay your bills on time, and reap the rewards while avoiding unnecessary fees. With careful planning and smart utilisation, your credit card can be a valuable asset on your journey towards financial success.<\/p>\n<p>&nbsp;<\/p>\n<p><em>Interested in how we think about the markets?<\/em><\/p>\n<p><strong>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\">Zen And The Art Of Investing<\/a><\/strong><\/p>\n<p><strong>Watch here:<\/strong> Key investment mistakes to avoid in 2023.<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/tvVtUTeb6KY\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.youtube.com\/watch?v=R7g03UwJAT8&amp;utm_source=Blog&amp;utm_medium=Weekly+wrap+22nd+July\" target=\"_blank\" rel=\"noopener\">kuvera.in<\/a> to discover Direct Plans and <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and start investing today. #MutualFundSahiHai #KuveraSabseSahiHai<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ever Credit cards have become an integral part of our financial lives, offering convenience, flexibility, and rewards. However, to truly maximise the benefits of your credit card, it&#8217;s essential to understand its features and utilise them strategically. &nbsp; Today, we will explore valuable tips and strategies to help you make the most out of your [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/how-to-maximise-the-benefit-of-your-credit-card-2023\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":24132,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[593,1],"tags":[2245,1185,2293],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to maximise the benefit of your credit card 2023<\/title>\n<meta name=\"description\" content=\"Monitor your spending and be aware of credit card frauds and scams, use credit card tools and apps, 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