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Do you love credit card reward points?

I love credit cards because they offer reward points and perks. Do you love credit card reward points?

I collect points fanatically. I use credit cards for various types of purposes, but the maximum points I gather are for travel. Travel reward points get me closer to flying free and upgrading my flights. I always try and double down airline and credit card points. Together they take me faster to a free trip.

Many travel credit cards also offer a lot of perks like free access to airport lounges, priority checking in and boarding, and discount on certain fares, improving the traveling experience.

I also collect points for rewards from payback.in to redeem it for amazon vouchers and use ICICI Amazon Pay card for the purpose.

While most of the credit cards don’t allow rewards points on the purchase of fuel, ICICI HP card has a tie-up with payback.in. This tie-up enables users to collect points on fuel expenses too.

I also use a separate card to maximize points on hotel stays that I can redeem against the future stay or convert them to airlines points.

And finally, a credit card that gives maximum cashback on utility expenses like electricity and gas bills.

I used to love the American Express Jet Privilege card, but it isn’t there anymore (not the card, the airlines 😛 Sorry Jet). Since then, I haven’t been able to find a purposeful replacement.

The one card I always wanted to possess is the American Express Metal card. It’s the highest level of publicly offered credit cards by American Express in India. Still, it’s too expensive against the perks it provides, so I am avoiding it for a year now. As at the end of the day, every credit card has to prove it’s worth.

Am I using too many cards? Probably? But paying all the dues on the credit card on time enhance my credit score, which is an important factor these days.

Do you love credit card reward points? What kind of credit cards do you use? Share your suggestion on what are the best credit cards in India.

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