How to Earn More Rewards Points with Credit Cards

Rewards credit cards offer you reward points on your credit card spends. You can then redeem these reward points against a range of gifts, products and benefits offered by your credit card issuing bank.

Rewards credit cards – how do they reward you?

Depending upon the card-issuing bank you can redeem your reward points for free movie tickets, gift certificates, air miles, cash rebates, store purchases, paying your annual fees etc.

For instance, when you earn rewards points with your Citi Rewards Card, you can redeem your rewards points for a variety of gifts. This includes:

  • Vouchers from their Online Catalogue
  • Transferring them to your preferred Airlines’ Frequent Flyer or Hotel Membership Programs
  • Offset purchases or redeem for vouchers instantly at 500+ instant reward outlets
  • SMS Citibank to convert rewards points into cash rebates on your credit card statement.

Click here to view the Citibank Latest Rewards Offer & Deals.

Rewards credit cards – tips on making the most of them

  •  Go for a rewards credit card that syncs best with your spends. If, for example, you go in for the DBS Black Visa Card, you get 3X DBS Points (or 6 miles for every $5 spend) for all local Visa payWave purchases and 1X DBS Points for all purchases. However, if you are looking for a rewards credit card that rewards you for your utility payments, you may be better served by the OCBC Plus! Visa Credit Card that lets you earn up to 2% LinkPoints rewards on EZ-Reload, telecom bills and utilities.
  •  Pay with your rewards credit card – This might seem like a no-brainier but you will be surprised at how many miss it! If you wish to accumulate rewards points on your credit card, you must pay for your purchases, online or offline, with your credit card.
  •  Pay attention to promotions – Promotions can help you earn a deal more reward points than at other times. The Citi Rewards Card has a promotion running from 04th March to 30th April 2016; you get 20X rewards when you charge your purchases at Qoo10 to your Citi Rewards Card.
  •  Don’t neglect affiliate promotions – Affiliates are the global payment processing networks with which your card is associated. They could be Visa, MasterCard or American Express. Affiliates also tie up with service providers to come up with great promotions for cardholders like you.

For example, you can get $1 off minimum spend of $7 with Visa payWave at Toast Box. This offer is valid from 01st April 2016 to 30th April 2016. If you are a MasterCard holder, you can get a 10% admin fee waiver when you with your MasterCard via MasterPass on the Comfort Delgro Taxi Booking App.


Author: Nicole Judy

Nicole Judy is a Wealth Specialist with one of Singapore's largest specialist financial planning organization also play as a Financial Adviser. As a financial planner, Nicole Judy currently provide professional portfolio advisory to corporations and individuals in the following specialties: Asset Protection and Insurance; Savings and Investments; as well as Legacy Planning, Wills and Trusts. He also specializes in unlocking investible cash from client's current assets and pride himself in providing a way for client to purchase assets with zero cash outlay and zero interests to service. In addition, Nicole Judy seeks to continuously upgrade himself by putting himself through challenges as well as learning from people from all walks of life. Specialties: Multi-currency Wealth Management Retirement Planning & Pension Transfers University Fee Planning Legacy Planning, Trusts & Wills Corporate Solutions CPF investments Life insurance, medical cover and health insurance Business succession planning Professional and Personal Development of People, Leadership and Talent Management, Team-Building with Team Ability Tools Unique Learning Process and Programs that Impact on Performance and Profits of Companies with Measurable Results Also, a Talent Scout and Talent Manager for Infopreneurs - Entrepreneurs who have a deep expertise in knowledge and share them via seminars and workshops.

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