Credit cards are now an ever-growing payment method used by customers in both online as well as offline purchases. Since credit cards give users flexibility in making payments, they are widely accepted as a payment method by shoppers. Nonetheless, those who use credit cards for shopping should make smart decisions so that they can maximise the benefits availed.

Here are some tips that will help shoppers make smart purchase decisions using their credit card.

1. Customers should avail a credit card that caters to their purchasing habits. Therefore, availing a card that has more offers for fuel purchase will benefit someone who is a frequent buyer of fuel and so on.
2. Shoppers should keep the credit utilisation ratio below 30% to ensure they don’t have to pay hefty interest and can be saved from negative impact like the reduction of the credit limit.
3. Users of credit cards like Bajaj Finserv RBL Bank SuperCard have altogether up to 50 days for paying bills, but, making big purchases towards the end of billing cycle leaves them with nearly 20-25 days to pay the amount.
4. Users should make timely bill payments and pay the full bill so that they can be spared from paying any interest or evade paying the penalty.
5. Shoppers can earn reward points for the eligible purchases and redeem the points in the form of cashbacks or avail vouchers. They can also avail discounts and offers from a partnered store as offered by the credit card.
6. Customers can convert their big purchases into hassle-free EMIs and pay conveniently.

These tips will be beneficial for customers that use credit cards frequently for shopping. Individuals can adhere to these pointers and make the most out of the card.