As per the latest reports, Credit cards’ usage in India has spiked with 36.34 million cardholders as of 2018. Credit cards’ usage in India has spiked with 36.34 million cardholders as of 2018. Generally, people associate these cards with unforeseen expenditures. But, if you use your credit card responsibly, you can earn a considerable amount without getting into debts.

• Leverage from the reward points: First and the foremost, make the most of the reward points you get. Reward points are credited to your account every time you spend using your credit card, which can later be converted into credit card money while shopping. For instance, I remember the rewards point I collected in my card got me a discount of Rs 600 on the total bill of Rs 2000. That’s how much it matters.
  
  
• Use the sign up bonuses while shopping: Sign up bonus has the same function as that of reward points, you can redeem them while shopping. Simply put, you can use the sign up bonus you’ve earned to pay while shopping.
  
  
• Use the free perks offered: Apart from using reward points and sign up bonus, use the extra rewards offered by the credit card companies. For instance, if you ever plan to watch movies, use the free movie ticket coupons.
  
  
• Make good use of the exclusive credit card discounts: Last but not least, use your credit card while shopping online. E-commerce websites offer exclusive credit card discounts on almost all their products. You can utilize them to save a good amount of money.