Credit Card Hacks: Unlock Full Value, Avoid Hidden Fees & Boost Rewards

• India's credit card usage surged, but many users miss out on value due to inefficient practices, says PwC analysis.
• Optimize billing cycles by making large purchases right after the statement date for longer interest-free periods (45-50 days).
• Maximize rewards by consolidating category-specific spending (fuel, dining, travel) on the right card, as advised by Ravindra Rai of BOBCARD.
• Avoid 'silent value killers' like foreign exchange mark-ups, late payment fees, and forgotten subscriptions by setting reminders and reviewing terms.
• The most effective 'hack' is discipline: paying on time, understanding card features, and aligning usage with your lifestyle for financial control.

Why It Matters: Intentional credit card use, understanding features, and discipline unlock maximum value and financial control.