7 Ways To Earn More Credit Card Points And Miles

Points and miles are two of the most famous types of rewards earned by using a credit card for various transactions. The reward points can be redeemed in several ways such as discount coupons, gift cards, e-vouchers, etc. depending upon the redemption policy of the card. Similarly, Miles can be redeemed for discounted or free flights depending upon the designated cards’ policies.

Everybody loves more rewards, more savings, more complimentary, etc. Credit Cards are a great way to achieve all this and more. These plastic and metal cards have redefined purchases & transactions, be it in any category. With all the benefits that come with credit cards, we will always be on a never-ending quest for ways to earn more credit card points and miles.

1. Go Cashless: Nowadays, most merchants or retailers accept card payments. So, to maximize your reward points and miles, you should replace cash transactions with credit card payments. This way is based on the simple pedagogy that “the more you spend, the more reward points and miles you earn”. Here, Spending more does not mean spending unnecessarily, it just means replacing cash with credit.

2. Utility Bill Payments: Utilities are necessary services that play an important part in our daily lives. Water, sewer, electric, gas, waste, cable TV, internet, and mobile services are all common utility services. Some of the best credit cards for reward points offer additional reward points and miles on utility bill payments.

3. Pick compatible Cards: One of the primary and most important ways to Earn More Credit Card Points and Miles is to select a suitable card for you at the first point. A suitable card means the one whose reward program compliments your spending habits. You must observe your spending pattern and then look for credit cards that provide accelerated rewards in that designated category.

4. Accelerated reward points: Many top credit cards provide accelerated rewards in dynamic categories like dining, travel, online shopping, etc. These accelerated reward points and miles policy can help you with earning more points than the basic criteria.

Brand Partnerships and associations are other factors that will help you in earning more reward points and miles on spending made on the product of their brands and associated platforms. For example, MakeMyTrip ICICI Bank Platinum Credit card provides accelerated reward points and miles on the transactions done on MakeMyTrip Portal in terms of booking flights, hotel stays, planning a vacation, etc.

5. Make travel arrangements for your friends, and family: You can only spend so much on yourself, so one way to maximize your credit card points and miles is to help your friends and family with travel arrangements like flight booking, hotel stays booking, etc. So, along with yourself, you can also help them go cashless as well while bagging up extra points on your credit card.

6. Take advantage of Reward Programs & Platforms: Many credit card issuers provide exclusive reward programs for their cardholders like the American Express Reward multiplier program lets you earn additional points with the extra offers provided by different merchants. Another example of a Reward platform where you can get extra points and miles is HDFC SmartBuy for HDFC Credit Card holders. One should certainly take advantage of these programs and platforms to maximize their rewards.
   

7. Welcome, Bonus & Milestones: On signing up for the card, you are entitled to certain bonus points and miles, make sure to avail of them within the stipulated time frame. Similarly, a credit card rewards you for your loyalty and consistency, there are certain expenditure milestones set by the company, and reaching each milestone will award you with bonus points. All these welcome, loyalty and milestone bonuses make up for the crucial ways to earn more credit card points and miles.