Many people are using credit cards these days. There are many types of credit cards available in the market. There is at least one credit card available for every need. For petrol, for movies, for food, for traveling and for shopping... there is a plethora of credit cards for every category. All these credit cards offer cashback, travel benefits, and reward points. Let us know the 3 special things, keeping in mind which you can take maximum advantage of your credit card.

1- Take a credit card according to your need
Before taking a credit card, see for which work you spend more. After that take a credit card accordingly. If you spend a lot on traveling, then take a petrol or travel credit card. If you are fond of shopping, then take a shopping card. In this way, you will be able to earn maximum reward points on that card. If you buy clothes or fill petrol with a travel card, you will get less benefit.

2- It is important to understand the game of reward points
Everyone knows that reward points are available on credit cards, but many people do not understand that reward points are different for different types of transactions. For example, on some cards, you can get 10 reward points for spending Rs 100 on dining. On the other hand, you will get only 2-4 reward points for every Rs 100 on other things. For some credit cards, it can be the opposite. So, while taking a card, also see which card is giving you more reward points according to your need.

If you already know where you are getting more reward points, then you will spend most of the time there with a credit card. Before taking a credit card, also know what you get in exchange for one reward point. Some banks give Rs 1 for 4 reward points, while some have different calculations. Some give only the option of shopping to redeem reward points, they do not give money. Those who give money in exchange for reward points, also charge some amount for redemption.

3- Keep an eye on deals during festival sales
If you want to take full advantage of credit cards, then keep an eye on the deals coming on various credit cards during festivals. During this time, you get a 5% discount or cashback on purchases made with some cards, 10% from some, and 15-20% from some. On such occasions, you can get the goods you need at a very cheap price with the help of these credit cards. On such occasions, the option of no-cost EMI is also available, which you can also take advantage of. However, keep in mind that these offers are for a very short time, so take advantage of them in time.