Trick
Earn Rewards on Rent Payments Using Smart Workarounds
Rent payments via credit card usually earn zero rewards. These 3 methods change that.
5 min read
Credit Card Tricks & Money-Saving Hacks
Smart credit card tricks and money-saving tips for Indian consumers — always within the bank's T&Cs.
T&Cs apply.We don't endorse anything that violates a bank's T&Cs. If a trick stops working after a T&C change, the post is archived and an "[Updated]" post is published.
Use Credit Card Purchase Protection for Extended Warranty
Many premium cards extend manufacturer warranty by 1–2 years. Most cardholders never claim it.
3 min readRead more
Transfer Hotel Points to Airlines for Maximum Value
Hotel loyalty points are worth more when transferred to airline miles. Here's the optimal ratio.
5 min readRead more
Maximise Grocery Rewards with Category-Specific Cards
Grocery MCCs earn reduced rewards on most cards. These 4 cards are the exceptions.
4 min readRead more
Use EMI Wisely to Earn Rewards on Large Purchases
Converting large purchases to EMI often forfeits rewards. Here's how to keep them.
5 min readRead more
Convert Insurance Premiums into Reward Earning Spends
Insurance payments earn zero rewards on most cards. Use these methods to earn instead.
4 min readRead more
Stack Welcome Bonuses Across Multiple Cards
Apply for cards strategically to earn signup bonuses worth ₹10,000–₹30,000 in the first year.
6 min readRead more
Claim Airport Lounge Access Before It Expires
Complimentary lounge visits reset on card anniversary, not calendar year. Time your trips accordingly.
3 min readRead more
Use Utility Bill Payments on the Right Card for 5X Rewards
Most cards exclude utility bills from rewards. These 6 cards reward them at the standard rate or better.
5 min readRead more
Split Large Fuel Fills to Maximise Surcharge Waiver
The 1% fuel surcharge waiver has a per-transaction cap. Split your fill to stay under it and save more.
4 min readRead more
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FAQ
Frequently asked questions
What are credit card tricks?
Tricks are legitimate strategies to get more value from your credit card — maximising reward points, hitting milestone bonuses, using statement credit features, and timing large spends. They are not loopholes. Everything we publish respects the bank's terms and conditions.
Are credit card tricks legal in India?
Yes. The tricks we publish are well-known strategies that operate fully within RBI guidelines and each card issuer's terms of service. We never recommend anything that violates your cardmember agreement.
How often is the tricks list updated?
We review the tricks list quarterly. When an issuer changes a card's terms in a way that invalidates a trick, we archive the affected trick and publish a [Updated] notice.
Can I submit my own trick?
Yes. Use the Suggest Content page and pick "Trick" as the content type. Our editorial team reviews every submission and responds within a few business days.