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Rs 50,000 Credit Card Spend: Cashback Or Reward Points - Which Is Actually Worth More?
NDTV Profit 2 hrs ago·12 Sept 2026, 8:44 am
Credit card users often face a choice between earning cashback or reward points on their spending. Cashback offers immediate value, as the money is credited directly to your account, effectively lowering your net bill. Reward points, however, are typically redeemed for merchandise, travel, or statement credits, which can feel less tangible until used.
For investors, this decision matters because it impacts the actual cost of purchases. A card offering higher cashback rates on essential categories like groceries or fuel can be more financially efficient than one with a lower cashback rate but a complex points system. Ultimately, the better option depends on your spending habits and how you prefer to utilize your rewards.
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