Back-to-office? 5 Ways to use a credit card to save more

With the gradual re-opening of offices, many employers are encouraging their staff to return to work. For employees, this could mean an increase in expenses – from transportation to meals to additional office supplies. Fortunately, using a credit card can help you save money on these costs.

Here are some tips to help you save money on office expenses with your credit card:

How to save money with a credit card?
 

The following credit card features can help you save money - ​​

· Rewards, cashback and discounts
 

There are many credit cards that offer rewards points, cash back, or other incentives when you use them for office expenses. By taking advantage of these rewards, you can save money on things like apparel, food, and other essential items.

Many credit card companies offer special promotions and discounts for office expenses. Make sure to check for these promotions before making any purchases, as they can save you a lot of money in the long run.

· Travel benefits
 

Credit cards offer different types of travel-related privileges. Some include complimentary airport lounge access, ticket and accommodation discounts, fuel surcharge waivers, etc.

If you undertake air travel for business, you can save on your bookings and get free airport lounge access. These privileges help you save on your travel costs. The fuel surcharge waiver helps save on fuel costs for those commuting daily in their vehicles.

· Dine-in offers
 

Discounts and offers on dining at merchant restaurants are common credit card features. While you hang out with your colleagues or have an after-work party, you can save on the bill if you use a credit card as your payment mode.

· Sign-up or welcome bonus
 

A sign-up bonus is what you get when you apply for a new credit card. It is also called a welcome bonus and includes vouchers, additional credit card reward points, annual fee waivers and more. All these benefits convert to savings.

· Balance transfers 
 

Lastly, there’s a balance transfer facility wherein you can transfer the balance of your existing credit cards to another card. A balance transfer is beneficial as it helps you consolidate your credit card debt and enjoy low APRs (Annual Percentage Rates) if you choose the right card.

Save more with IDFC FIRST Bank Credit Cards

Choose from a variety of IDFC FIRST Bank Credit Cards and enjoy some of the best benefits like –

· No joining or annual fee

· Interest rates, starting as low as 9% per annum

· Up to 10X reward points

· Low-interest balance transfers

· 0% interest on cash withdrawals

· Vouchers worth Rs 500 and 5% cashback as welcome bonus

· Complimentary lounge access

· Convert your payments into affordable EMIs

· Dining discounts across 300+ merchants all year long

Expenses are inevitable when you go back to the office. But if you manage them smartly, you can save more. Credit cards can be the right financial tool to give you something extra every time you spend. The increased expenses will not pinch, especially with an IDFC FIRST Bank Credit Card with you.

Unlock several benefits if you use a credit card to navigate your increased expenses. Use the cashback, reward points, privileges and more with your credit card right away! Click here to apply.

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.