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The Economic Times

Personal Finance / The Economic Times

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Credit card perks shrink: Maximise what you have

Many banks have recently reduced credit card rewards, cashback limits, and perks, prompting cardholders to reassess their spending strategies. Experts advise optimising existing cards rather than cancelling them, diversifying across 23 cards, and using rewards strategically. Linking RuPay credit cards to UPI can boost benefits on everyday transactions. Ultimately, maximising value depends on understanding card features and aligning spending with reward structures.

1 Jun 2026 6:30 am