How to maximise credit card rewards in India

Everyday spend is where plans stall

A trip goal dies on ordinary Tuesdays. Fuel, UPI, and the card that is already in the food-delivery app take over. The earn decision at a big checkout is visible. The monthly drip is not.

Maximising rewards means assigning those drips on purpose: which card for groceries this month, which card still needs a milestone, which card has already hit a cap.

Watch caps, milestones, and exclusions

A high headline rate is useless after the monthly cap. A milestone that needs a little more spend can be worth more than hopping to another card. Wallet loads, rent, and some billers may earn nothing. Those exclusions are easy to miss if you only remember the brochure rate.

If you import statements, use them to see the leak, not to upload a PDF to a stranger. Perks keeps statement import on-device and sends spend lines, not the file.

• Revisit caps at the start of each month.
• Finish a close milestone before chasing a new category bonus.
• Do not force rewards on excluded spend. Use another method of pay.

How Perks helps you optimise

Log groceries, rides, and orders so the month is visible. Free picks use that history. Checkout assist on Android is optional. Premium maps spends toward a goal so the month compounds. Upgrade in the app after invite.

Common questions

How do I maximise credit card rewards without a new card?

Assign each recurring spend to the card that still has room under its cap or milestone. Stop putting excluded transactions on reward cards.

What is a credit card milestone?

A spend target in a month or quarter that unlocks extra points, a voucher, or a fee waiver. Hitting it on purpose is often worth more than a slightly higher base rate.

Can Perks read my bank statement?

On Android you can import a statement in the app. The PDF stays on the device. Only redacted spend lines are sent. We do not take a bank login. Web import comes next.