How to Maximise Rewards on Your AU Credit Card
For smart spenders, a credit card is more than a convenience; it’s a tool to unlock value. With A Ucredit cards, especially if you’re planning to apply for credit card options that suit your lifestyle, there are numerous opportunities to maximise your rewards. But the real trick lies in knowing how to use these features the right way. Let’s take a quick look at the ways to earn massive rewards on AU Credit Cards.
Understand the Reward Structure
To make the most of your AU credit card, start by understanding the core reward system. Each card comes with a set reward rate and bonus categories; spending on groceries, departmental stores, and select online merchants can earn you accelerated points.
Plan Expenses Around High-Reward Categories
AU cards like the LIT offer up to 10X reward points on groceries and retail purchases. If you direct more of your routine expenses to these categories, you automatically increase your rewards without increasing your budget. Even fuel purchases come with surcharge waivers, giving you an edge on everyday spending.
Use UPI Integration with RuPay Credit Cards
One unique aspect of AU Small Finance Bank is the fact that you can link your RuPay credit card with UPI apps. This allows you to conduct QR-based transactions, typically only allowed through debit cards, making it possible for you to earn points on minimal purchases, including smaller purchases, more regularly.
Earn Points on Every Tap
With UPI-enabled usage, you can pay at local vendors, kirana stores, and cafes, all while earning reward points. It’s a smart way to bring more of your unstructured spending under the rewards umbrella. Plus, UPI-based usage keeps your physical card safe from theft or damage.
Leverage Welcome and Milestone Benefits
Many AU credit cards offer welcome bonuses, such as vouchers or points, after a minimum spend in the first 60 days. They also provide milestone-based benefits like e-vouchers or annual fee waivers on hitting certain spending thresholds.
Set Monthly Targets
If your card offers a reward for spending ₹10,000 per month, for instance, aim to route essential bills and shopping through that card. AU’s mobile app allows you to track your spending in real time so you never miss a milestone. Timely planning can help you unlock all available benefits.
Make Contactless and Online Payments
AU credit cards come with contactless functionality for swift and secure payments. Additionally, online spending on OTT subscriptions, food delivery apps, and e-commerce platforms also earns regular or bonus rewards.
Think Before You Swipe
Before using cash or other payment modes, check if your card rewards online purchases. A purchase as small as paying your broadband or electricity bill could help you build up even more points. Smart usage turns monthly utility bills into redeemable value.
Use EMI Conversions When Smart
Big-ticket purchases can also be optimised for rewards. AU Small Finance Bank allows eligible transactions to be converted into EMIs, and in many cases, these transactions continue to earn reward points.
Budget Without Missing Rewards
Whether you’re buying a smartphone or booking a family vacation, converting the amount into EMIs ensures that your monthly budget stays stable, while still giving you reward value for the full amount spent. Look out for no-cost EMI offers during festive seasons.
Don’t Let Points Expire
While collecting points is essential, redeeming them smartly is equally crucial. AU Small Finance Bank points are valid for up to 36 months, depending on the card type. The mobile app or website dashboard lets you track both balance and expiry.
Redeem for What You’ll Use
AU Small Finance Bank’s rewards catalogue includes gift vouchers, merchandise, flight bookings, and utility bill payments. Choose redemptions that match your actual needs to extract the highest value. Don’t wait too long, or your points could expire unused.
Supplementary Cards Can Boost Points
If your household has multiple spenders, issuing add-on cards for family members is a great strategy. Their transactions contribute to the primary card’s rewards and milestones.
One Account, Unified Rewards
Supplementary cards also help in the faster accumulation of points and make tracking expenses easier. AU Small Finance Bank allows easy application and management of add-on cards through its mobile app. It’s a strategic move for families who want consolidated rewards and better visibility.
Final Thoughts
Reward programs can be incredibly beneficial if used with intention. AU credit cards offer a flexible and well-rounded system, from welcome bonuses to UPI-linked micro-spends and EMI-linked rewards to milestone benefits. If you’re planning to apply for credit card options that maximise value, AU Spont credit card offerings are among the most rewarding in the market today.
