"There ain't no such thing as a free lunch" until and unless you know how to get one.

In today's financially digital world, living life is very simple without hard cash. All you need is a Credit Card. I'm personally using a credit card over cash from the last few years and today I'm going to share 4 secrets ways to make money by using credit cards which will help you in your wealth creation journey.

What is a Credit Card?

As per Wikipedia, A credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amounts plus the other agreed charges.

Credit Card

4 Secret Ways to Make Money by using a Credit Card while enjoying your Life

1. Make money by saving 5% cashback on fuel, phone and utility bills:

Fuel, phone, and utility are monthly expenses and every saving on them can help to start a new SIP for mutual fund investment. Standard Chartered Super Value Titanium Credit Card is one such card. You can check out this link for more details. 

  • 5% cashback on fuel: Earn 5% cashback on fuel spends across all fuel stations up to a maximum of INR 200 per month (max of INR 100 per transaction). Minimum transaction of INR 750.

  • 5% cashback on telephone bills: Earn 5% cashback on telephone bill payments up to a maximum of INR 200 per month (max of INR 100 per transaction). Minimum transaction of INR 750.

  • 5% cashback on utility bills: Earn 5% cashback on utility bill payments up to a maximum of INR 100 per month. Minimum transaction of INR 750.

  • Earn rewards on other spends: Get 1 reward point for every INR 150 when you use your credit card for all other expenses.

2. Make money on Shopping:

Card making money on shopping is a must buy, because this is where we spend the most. Citibank Rewards Card is one such card. You can check out this link for more details.
  • Earn 10 Reward Points for every Rs 125 spent at Apparel & Department Stores.
  • Pay with your Reward Points when you shop at over 700 outlets and e-shopping sites.
  • Enjoy over 3,600 offers across Dining, Shopping, Movies & EMI.

  • No Joining Fees. No fee shall be charged if Rs. 30,000 or more is spent on the card during the year (a year from the date of issuance of the card), else a fee of Rs. 1,000 will be charged at the end of the said year.

3. Make money on Shopping at Tata Outlets: 

If your someone who likes to do shopping at Star Bazaar or other Tata Outlets. Tata Titanium Card is one such card. You can check out this link for more details.
  • 500 Empower points on spends of Rs. 2,000 in the first 60 days
  • 1.5% Value back on spends @ Croma & cromaretail.com
  • Up to 5% Value back on spends on Tata Outlets
  • 3X Points on Departmental and Grocery stores

4. Make money on Traveling: 

Credit cards are a must for a traveller, especially if your international traveller. Traveller cards have many benefits in multicurrency transactions, free lounge, etc. HDFC Regalia Card is one such card. You can check out this link for more details.

  • Lowest Foreign Currency Mark-up Fee
  • Complimentary Priority Pass membership for international lounge access
  • Up to 15% discount at leading restaurants across India
  • 4 Reward Points on every Rs. 150 spent

5. Make Money while making Credit Card payment

Conclusion

Credit cards are the best instruments to make money and start saving them for wealth creation. But, remember it also needs good management. Any blessing can turn into a curse, if not used wisely. It's time to enjoy your life combined with automatic saving. Keep smiling 😃






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