Maximise benefits without overspending by aligning spending habits, selecting the right cards, and avoiding debt traps.

Credit cards have evolved from being luxury payment tools to becoming essential for everyday expenses from groceries and subscriptions to online shopping. Yet, the art of maximising rewards requires more than frequent swipes; it demands discipline, planning, and a clear understanding of how each card fits into your financial habits.

Here’s a practical roadmap to help you optimise your credit card rewards and ensure they work for you, not against you.

Assess Spending and Select Categories

Start by analysing your spending patterns. Identify where most of your monthly expenses go — travel, dining, e-commerce, groceries, or utilities and choose cards that offer higher rew

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