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Blog
2 mins Read | 5 Years Ago

5 Ways to Enhance Your Shopping Experience with Credit Cards

5-ways-enhance-shopping-experience-wit-cc

 

Credit Cards come with a lot of benefits other than the redeemable PAYBACK points – like enabling contactless technology for secure and quick payments, waiver on fuel recharge, etc. You can also track your shopping expenses in the monthly statement thereby fitting every purchase into the budget category. The tracking helps to avoid overspending and at times splurge a little. So, in order to increase your shopping experience and get the best rewards that Credit Cards offer, you need to follow a few basic tips.

Enhance your experience while using your Credit Card with these tips:

Shop online and earn rewards - Few Credit Cards have their own shopping portals and offers from various brands. Consider shopping from these shopping portals and earn extra reward points.

Follow these steps and earn reward points-

Log on to your issuer’s site

Choose the shopping portal of your choice

(This will automatically redirect you to your preferred portal)

Use your card to manage your daily expenses – Swipe your credit card for daily expenses such as grocery or for purchasing household chores. Daily purchases with credit cards help to avoid excess expenditure and maximise the rewards credit cards offer. These reward points can further be redeemed during future purchases.

Spend considering the category: Credit Cards also come with numerous benefits on different categories during different times of the year. They might have a cashback for a month on shopping or offers on couple movie tickets. Spending on specific categories can help you fetch Credit Card offers and also add extra reward points to your card.

Building credit score- Shopping with Credit Cards helps build a good credit score and is helpful while getting loans. Making frequent purchases with the card and paying on-time helps in increasing the credit score.

Get sign up benefits: Few Credit Cards come with different joining bonuses which can help you add maximum rewards to your card. Applying for your Credit Cards during this time will help you get added benefits on your Credit Card. You can also apply for the best Credit Card rewards programme where you can enjoy extra PAYBACK points which can be redeemed for exciting deals.

To conclude

Shopping with Credit Cards brings in a lot of benefits along with a few concerns. Failing to make payments on the due date can lead to a fall in the Credit Card scores. Moreover, a late fine will be charged, thus making your purchases even more expensive. In order to make your shopping experience with Credit Cards better, it is advised to make timely payments.

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The contents of this document are meant merely for information purposes. The information contained herein is subject to updation, completion, revision, verification and amendment and the same may change materially. The information provided herein is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would (by reason of that person‘s nationality, residence or otherwise) be contrary to law or regulation or would subject lClCl Bank or its affiliates to any licensing or registration requirements. This document is not an offer, invitation or solicitation of any kind to buy or sell any security and is not intended to create any rights or obligations. Nothing in this document is intended to constitute legal, tax, securities or investment advice, or opinion regarding the appropriateness of any investment, or a solicitation for any product or service. Please obtain professional legal, tax and other investment advice before making any investment. Any investment decisions that may be made by you shall be at your sole discretion, independent analysis and at your own evaluation of the risks involved. The use of any information set out in this document is entirely at the recipient's own risk. The information set out in this document has been prepared by ICICI Bank based upon projections which have been determined in good faith by lClCl Bank and from sources deemed reliable. There can be no assurance that such projections will prove to be accurate. lClCl Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out in this document. The information set out in this document has been prepared by ICICI Bank based upon projections which have been determined in good faith and sources considered reliable by lClCl Bank. In preparing this document we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to us or which was otherwise reviewed by us. Past performance cannot be a guide to future performance. 'lClCl ' and the 'I-man' logo are the trademarks and property of lCICl Bank. Misuse of any intellectual property, or any other content displayed herein is strictly prohibited.

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