Credit card rewards can add incremental value to regular spending when used with discipline and the right card strategy. Aligning benefits with actual expenses and redeeming points efficiently helps users avoid unnecessary costs.

Industry experts say the gains can be meaningful, provided users stay focused on genuine spending needs rather than chasing points.

Choose cards that fit your spending pattern

Saurabh Puri, Chief Business Officer, Zaggle, notes that the most effective approach is to select cards that match the categories where you spend the most—such as groceries, travel, fuel or online shopping.

Co-branded cards with airlines, hotels or e-commerce platforms can also deliver strong value when used consistently.

He emphasises the importance of paying monthly dues in full, as i

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