In India, the volume of digital payments is increasing tremendously day by day, but among so many ways to make digital payments like Net Banking, UPI, various Wallets, Credit Cards, Debit Cards the most beneficial mode of payment is always Credit Cards. Using which you can save a lot of money each month. If you are thinking why am I saying this, then please check this YouTube video for a more in-depth explanation.
Now if you are already familiar with the credit card game, then you know that you cannot maximize your savings just by using one single credit card for all-purpose and honestly, there is no single credit card out there in the market which can deliver you savings across categories. This is why it is very important to have multiple credit cards in your wallet for separate use cases.
One of the major problems of having multiple credit cards is not knowing which card to use when. Most people label their credit cards for the categories where it gives the most return, like for example if you have ICICI Sapphiro credit card, you might label it for using booking movie tickets from BookMyShow.
Now, the problem comes when you have to make a payment outside of your labelled use cases. For example, you have to make a payment to a local medicine marchent and you have no idea which card to use. If you want to get the most savings at this scenario, you need to open up the calculator on your phone and do the math for all the cards your own to check which one is giving you most return; which is simply impossible to do. So, you end up paying with a card that gives you a lower return in that scenario.
Now with CCRewards your credit card reward calculation gets super easier. It is as simple as entering an amount. When you open CCRewards on your phone or computer, you will be greeted with the home screen where you can simply enter the amount you want to pay and it will automatically calculate the rewards point, their value, cashback, savings percentage & reward redemption cost on the fly. So, now you can simply just scroll the page, check all the cards and their return and then use the card which is giving you the highest return.
Now when you open the home page, it will by default show you all the card which are currently supported in CCRewards. But it may contain may card which you do not own, so there is no point of checking their reward rates. That is why you can easily create an account in CCRewards within less than 50 seconds and after you have created your account and verified your email address, in the Edit Account page you can select the list of card you own among the available cards so that when you go to the home page to do the calculation it will only show you the reward details about the cards you own and not the others.
Finally, if you ever get a new card in future, you can always go back to your Edit Account page and check that card so that CCRewards shows you the reward details about that card.
Now you will never miss choosing the best card to make payment when the time comes. But please note that CCRewards will only calculate the rewards for the normal cases and not for the special categories when your card is giving extra benefits. The reason behind that if you are holding a card, you have already labelled the highest reward categories of that card, the only time you need help is when you have to choose outside the highest reward categories.