5 Smart Ways To Maximise Credit Card Rewards In 2025

Credit cards are more than just a convenient payment method—they are a powerful tool for savvy spenders who know how to use them effectively. With the right strategy, you can turn everyday expenses into valuable rewards like cashback, travel perks, and exclusive discounts.

Here are five secrets from SBI Card to becoming a smart spender and maximising credit card rewards in 2025:

Lifestyle-based Spends

The key to maximising rewards lies in picking a credit card that aligns with your spending habits. If you are a globetrotter, then opt for co-branded airline or hotel cards that offer travel miles like the KrisFlyer SBI Card in association with Singapore Airlines. If you are a daily commuter, then look for credit cards with fuel surcharge waivers or cashback on travel expenses like the BPCL SBI Card OCTANE which gives 7.25% value back and accelerated Reward points equivalent to 6.25% + 1% fuel surcharge waiver on transactions up to ₹4000. If you are a shopaholic, then credit cards with high cashback or points on online purchases will be your best bet.

Category-based Spends

Most credit cards offer higher reward rates for specific categories, such as dining, groceries, or entertainment. Identify where you spend the most and use a credit card that provides maximum points or cashback in those categories. Some credit cards like SimplyCLICK SBI Card offers 10x rewards on online spends with exclusive partners.

Leverage Gift Vouchers

Many premium credit cards offer reward points as welcome gifts when you meet specific spending thresholds within the first few months. For example, Super Premium credit card AURUM offers 40,000 reward points as welcome gifts to the cardholders.

Plan your big purchases, such as home appliances, gadgets, or travel bookings, around the initial period to unlock the full potential of these rewards. Premium credit card SBI Card Elite offers 5,000 reward points, while SBI Card Miles Elite offers Rs 5,000 as travel credits.

Redeem Rewards

Rewards can lose value if not redeemed on time, so it’s crucial to use your points or cashback balance well in time. Use mobile apps or online dashboards provided by your credit card issuer to track rewards easily. In 2025, many credit cards offer dynamic redemption options like paying bills and more, so explore all available avenues to maximise benefits.

Avoid Charges and Fees

While you make the most of credit card rewards and cashbacks, it is equally important to be disciplined and make your payments on time, to avoid related aspects such as late payment charges. Keep an eye on annual fees; ensure that the rewards and benefits outweigh these costs. Many companies waive off the credit card renewal fee, if you meet certain spending requirements.

Smart spending isn’t just about earning rewards—it’s about maintaining financial health while enjoying the perks of a well-thought-out credit card strategy. By selecting the right credit card, leveraging bonuses, optimising spending categories, tracking rewards, and managing fees, you can turn your credit card into a powerful financial ally.