This blog highlights five smart credit card habits to maximize savings and benefits. It covers timely payments to avoid late fees, maintaining a low credit utilization ratio, avoiding costly cash withdrawals, and optimizing reward redemptions.
For many salaried individuals, managing expenses while maximizing financial opportunities is key to building wealth. Credit cards offer convenience, rewards, and financial flexibility, allowing you to make the most of every rupee spent when used wisely.
Here are 5 smart ways to maximize your credit card benefits and savings:
Smart financial planning starts with budgeting. The 50-30-20 rule helps you allocate your monthly salary efficiently:
Pro Tip: SalarySe UPI powered with Credit makes tracking seamless and works on all categories (even your local merchants), helping you monitor expenses in real-time while earning up to 10% rewards on every UPI payment. That means if you spend ₹30,000 per month, you could earn up to ₹600 in cashback - that’s ₹7,200 saved annually!
Timely payments help you avoid late fees, maintain a good credit score, and unlock better loan offers.
Savings Insight: Avoiding late payment fees alone could save you ₹1,000-₹2,500 per missed payment, and maintaining a strong CIBIL score can reduce personal loan interest rates over time.
Your Credit Utilisation Ratio (CUR) plays a key role in determining your credit score. Keeping it below 30% ensures a positive impact.
A low CUR keeps your credit score high, giving you access to better credit card rewards, higher cashback, and low-interest loans.
Withdrawing cash from your credit card may seem like a quick fix, but it comes with unnecessary costs.
Smarter Alternative: Instead of costly cash withdrawals, use Intacash on SalarySe to access up to 100% of your salary instantly with zero hidden fees. Need a bigger financial boost? Quickloans offers easy access to ₹5 lakhs with flexible repayment options.
Your credit card can be a powerful savings tool when used strategically for planned expenses like groceries, bills, and travel. A lot of these depend on how much are the rewards and how easily they can be redeemed. At SalarySe, you get up to 10% rewards with no restrictions on redemption and an app which shows you rewards history so that you have good control on your rewards
Maximise your rewards with SalarySe UPI powered with Credit:
Credit cards aren’t just a spending tool—they are an opportunity to save more, earn more, and build financial security. When used wisely, they provide ease, rewards, and financial flexibility that work in your favour.
Ready to maximise your credit card benefits? Download SalarySe and take control of your finances today!
SalarySe raises $11.3M to redefine credit access for India’s workforce. Led by Flourish Ventures and SIG Venture Capital, with support from Peak XV Partners and Pravega Ventures, the funding will fuel AI-led innovation, enterprise expansion, and smarter financial solutions for salaried professionals.
This blog highlights five smart credit card habits to maximize savings and benefits. It covers timely payments to avoid late fees, maintaining a low credit utilization ratio, avoiding costly cash withdrawals, and optimizing reward redemptions.
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