Be a smart shopper: Don't miss out on credit card offers!

Does it always seem like your friends or office colleagues are getting more out of their credit cards than you are? One of the reasons could be that you’re missing out on the latest credit card offers. 

Besides the regular features and reward points, you occasionally get various credit card discounts, offers and deals. If you align your shopping with these credit card offers, you are in for huge savings. Get a few basics right to get the most out of your credit card and shop smartly. 

How to get the most out of your credit card
 

Credit card features – When you shortlist or get your credit card, you must familiarise yourself with the features. This includes credit limit, reward points, benefits and other important points to ensure your credit card fits your spending habits. For example, get a low-interest card to finance purchases or a cobranded card for travel or fuel benefits. 
 

Swipe responsibly – Utilising more than 70-80% of the credit limit can negatively impact your credit score. Spending beyond your means would also result in repayment defaults and interest costs on your credit card dues. By spending responsibly, you can always pay the entire amount due on time and avoid hampering your credit score.
 

Privacy and safety – As a regular shopper, ensure the safety of your physical card and keep the password/PIN safe. Monitor transactions and SMS alerts, and review your card statement thoroughly. Don’t forget to report and block your stolen card immediately.

Getting the most out of rewards – You should check how much reward your credit card offers on online purchases, offline purchases, POS transactions, etc. With IDFC FIRST Bank, you can earn up to 10x credit card reward points. These reward points never expire, so you are under no pressure to redeem them within a specific time period. You can use your reward points to pay for online or in-store purchases anytime.
 

Credit card offers – Savvy customers never miss the best credit card deals. Limited period offers can save you a lot of money on purchases you have been planning.
 

For instance, for June 2023 alone, IDFC FIRST Bank offers several attractive credit card offers.

· Avail attractive discounts on domestic and international flight and hotel bookings on MakeMyTrip.com

· 12% instant discount up to Rs. 1,200 on domestic flights and 10% instant discount up to Rs. 6000 on international flights on Yatra.com

· Avail of the month-long credit card offers on selected hotels and food and beverages  

Everyday Xtras

In addition to an attractive reward program, IDFC FIRST Bank runs monthly offers across multiple brands.

Mondays:

· Croma: 10% instant discount at Croma

· Tata CLIQ: 10% discount up to Rs. 300

Tuesdays:

· Tata CLIQ Palette: 15% discount up to Rs.300 on a minimum spend of Rs. 1000

Wednesdays:

· Myntra: 10% Instant discount up to Rs. 1,000 on a minimum spend of Rs. 2,500

Thursdays:

· Swiggy Instamart: Flat Rs.100 off on a min spend of Rs. 699

Fridays:

· Yatra: Instant discount up to 20% on flights and hotels

· Makemytrip.com: Instant discount up to 15% on flights and hotels

Saturdays and Sundays:

· Zomato: Flat Rs.75 off on orders above Rs.499

Conclusion
 

Smart credit card shopping is about utilising your credit card features wisely, spending responsibly, and keeping your credit card safe. Maximise your spending further by making the most of the amazing credit card offers and discounts on your IDFC FIRST Bank Credit Card. 

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.