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Make Money Every Time You Swipe Your Credit Card

Convenience is key in the quick-paced world of today. Nothing is more practical than making regular purchases using a credit card.

What if, however, we informed you that every time you use your credit card, you might earn cash? It’s true what you read. With a few straightforward tips and techniques, you may make use of your credit-card as a money-making machine. In actuality, credit-cards provide more than merely as a tool of exchange. Depending on the kind of credit-card you have, they provide a variety of advantages and perks that might help you earn cashback, savings, points, and miles.

This post will reveal some tried-and-true methods and advice for gaining cash each time you use your credit card.

How Do Credit Card Rewards Work?

When you swipe your card, one of the finest ways to generate money is through credit card rewards. When you make purchases with your credit-card, you accumulate reward points. These points may then be exchanged for a variety of benefits, such as cashback, travel benefits, goods, and more.

You may earn additional benefits the more you use your card. To maximize your profits, though, it is vital to comprehend how credit-card incentives operate. Regarding credit-card rewards, a number of variables are at play, including earning rates and redemption possibilities.

Also Read: Under Section 80C Best Tax Saving Investment

Strategies To Maximise Credit Card Rewards

  1. Making the most of sign-up bonuses: Many credit cards provide new cardholders with sign-up bonuses, such as cashback or bonus points. To maximize these benefits, complete the necessary spending within the allotted period.
  2. Making use of bonus categories: Some credit-cards give incentives for purchases made in certain categories, such as petrol, grocery, or restaurants. To earn additional points, use your credit card when making purchases in these areas.
  3. Timing your purchases: When there are bonus incentives or cashback offers available, make large purchases. Plan your purchases to coincide with seasonal bargains or promotions.
  4. Avoiding interest charges: To prevent interest fees, pay off your credit-card balance in full each month. It’s crucial to avoid carrying a debt because interest fees might soon cancel out any benefits received.

Other Ways To Make Money With Credit Cards

  • Cashback options: Numerous credit cards provide cashback incentives for specific transactions or as a proportion of your overall expenditure. These cashback bonuses can be exchanged for cash, gift cards, or bill credits.
  • Referral bonuses: Some credit-cards reward applicants who refer friends or family members who successfully obtain the card. These advantages may come in the form of reward-redeemable points or statement credits.
  • Credit card affiliate programs: There are affiliate programmes offered by several credit-card issuers that let you make money by advertising their credit-cards. Every individual who uses your affiliate link to apply for and receives a credit card might earn you a commission.

Also Read: Insights on Financial Inclusion and Digital Payments: Bill Gates Visit to the Reserve Bank of India


Although it might seem like a pipe dream, you can actually make use of your credit-card to generate income.

Credit cards, however, might have a few drawbacks that must be kept in mind. If you don’t take caution, you can find yourself with increasing debt that surpasses your overall gains. Consequently, it is essential to use credit-cards properly and to stick to your budget.

Discipline, planning, and some imagination are needed when using credit cards to earn money. However, anyone can make their regular spending habits into a successful enterprise with the appropriate mentality and a willingness to learn.

If you’re searching for a card with alluring offers or a high reward structure, IndusInd Bank provides the ideal cards for you. Visit the IndusInd Bank website to apply for a credit-card right now if you’re interested in receiving one immediately.


How do I swipe my credit card and get cash?

Visit an ATM and insert the credit card. Enter the credit-card PIN (you may set one up by calling the number on the back of the card). If “cash withdrawal” or “cash advance” are given, choose the relevant option. When asked to choose between “credit” or “debit,” choose “credit.”

Do credit card companies make money every time you swipe?

The business must pay a processing charge to the bank for each credit card transaction you make. The “interchange,” which is typically between 1% and 3% of the transaction, is the percentage of that charge that is transmitted to the issuer via the payment network.

Also Read: Know How To Calculate Income Tax On Salary

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Riya Kapoor

Riya Kapoor writes about lifestyle, entertainment, news and gadgets. She has been in this industry for almost 4 years now. She is a graduate from Delhi University with English Hons and had deep connection with writing since her childhood.

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