How to earn maximum reward points on festive purchases?

Festivals are not just about lights, sweets, and celebrations. They are also about the joy and excitement of shopping. Whether it is buying gifts for loved ones, upgrading gadgets, or booking family trips, festive spending tends to peak during this season. Plus, with brands and banks offering tempting deals and offers, it is just the perfect time to earn maximum reward points on your transactions. 

When used smartly, your credit card can turn every festive purchase into an opportunity to earn reward points. You can redeem these points for exciting perks, which can range from discounts and useful vouchers to travel benefits and more. Here, the key lies in knowing how to maximise your credit card reward points in a strategic way. Take a look at some smart ways to do that. 

Choose the right credit card for festive offers 

Different credit cards are tailored for meeting different purposes. Some are designed for shopping, others for travel or dining. During the festive season, many cards provide additional reward points or limited-time bonuses on categories such as apparel, electronics, or online purchases. 

Before you start shopping, make sure you take a moment to analyse your card’s features and ongoing festive offers. Selecting a credit card that complements your spending habits is helpful so that you do not just spend but also earn more rewards with every swipe or tap. 

Shop through reward portals and partner platforms 

Most financial institutions have dedicated reward or partner portals where you can shop from various online merchants and earn accelerated reward points. 

Instead of buying directly from a brand’s website, ensure you access your preferred store via your bank’s official shopping or rewards link. Transactions performed using such platforms tend to qualify for bonus reward multipliers, sometimes offering up to 10X or even 20X reward points on festive purchases. 

This small change in shopping behaviour can help you maximise your returns without spending extra money. 

Convert big purchases into smart Equated Monthly Instalments (EMIs) 

Festivals are occasions when big-ticket purchases like televisions, phones, or home appliances often happen. Rather than stretching your budget with one-time payments, converting these transactions into EMIs can make spending smoother and stress-free.

You can use an online credit card EMI calculator to quickly understand the instalment amount you will pay each month, the interest involved, and whether this decision suits your budget. This useful information can help you plan your large purchase wisely.

By splitting major expenses into EMIs and using your card strategically for smaller purchases, you balance affordability with consistent reward accumulation throughout the festive season.

Combine reward points with cashback and wallet offers 

To truly maximise festive savings, stack your offers smartly. Many online platforms allow you to use credit card rewards, cashback, and digital wallet discounts together. 

For instance, you might earn reward points on your credit card transaction, get an instant cashback on your shopping app, and enjoy additional wallet rewards. The result? Triple benefits on a single festive purchase. 

Just remember to read the terms carefully. Some offers may not combine automatically, so you might need to activate them through your bank’s mobile app or offer page before shopping. 

Pay credit card bills in full and on time  

Earning reward points is great. But keeping their value intact is what actually matters. If you miss your payment deadline or carry any balance, the interest charges can outweigh your rewards. Timely and full bill payments not just help you save money but also keep your credit score healthy for future benefits. 

Also evaluate if your bank offers bonus points for clearing bills on time or for using auto-pay options. These features encourage consistent repayment habits while adding more value to your regular credit card usage. 

To sum up

Festive shopping is all about joy, family, and celebration. But it is also the best time to plan your spending prudently. By managing purchases wisely, using the right credit card, and taking advantage of partner offers and smart payment options, you can make every transaction more rewarding. 

This festive season, let your celebrations glow not just with lights and gifts, but also with the satisfaction of earning rewards that support your financial goals. Shop smart, spend thoughtfully, and celebrate with a heart full of joy and a wallet full of rewards.