How To Best Use And Redeem Your Credit Card Reward Points

Redeeming your credit card reward points is generally a straightforward process, be it on the issuer's website or using an online credit card app. You can also redeem them offline, but digital redemption is easier and more convenient by far. 

Most credit card reward points have an expiration date, which is why it's imperative to have some quick options to redeem them. In addition, it's best to know in what ways you can redeem your accumulated points to enhance your experience. 

- Bring down your travel costs by converting your reward points into air miles

- Enjoy shopping with your reward points by converting them into gift cards or vouchers

- Convert your points to get cashback at a pre-set conversion rate and use them to pay your outstanding balance

- Redeem them for products in different categories, such as electronics, toys, personal care products and more 

- Donate them via the issuer’s rewards program towards a charitable cause close to your heart

In the digital mode, there are many avenues through which redeeming points is possible. Take a look at two popular options: 

Step 1: Log in to your net banking account on the issuer’s website

Step 2: Go to ‘Rewards Points’ under the credit card section

Step 3: Select the number of points you want to redeem

Step 4: Select your redemption option 

Step 5: Confirm to complete the process

You may be redirected to your issuer’s rewards redemption website to make purchases.

Step 1: Download and register on the issuer's mobile app

Step 2: Log in using your card details 

Step 3: Go to the credit card rewards points section 

Step 4: Select your preferred number of reward points 

Step 5: Select the redemption option 

Step 6: Follow the instructions to complete the process 

If you find it more feasible, follow these steps to redeem points offline. 

To redeem your points through regular mail, start by downloading and printing the reward redemption form from the issuer's website. Fill this form with all the required details and then send it to the issuer's postal address. After reviewing your form, the credit card company will process your details and complete the redemption process. 

The redemption process through customer care is much quicker compared to snail mail. Simply get in touch via chat or call and follow the instructions. After verifying your identity, the customer care executive will process your request instantly and help you redeem your points. 

Some issuers partner with retail stores and fuel stations, where you can directly redeem your credit card rewards points with your purchase. 

By choosing any of these options, you can redeem your reward points and save money on your transactions. If you are a One Credit Card user, you can conveniently monitor and redeem your reward points on the One Card App. 

Built on full-stack technology, this online credit card app helps you check money-saving offers, track your spending and even set limits. This way, you enjoy full transparency of your card usage and you can spend more confidently. 

Apply online on the credit card app now to get your hands on this lifetime-free metal credit card and enjoy benefits like 5X rewards on top two spends, travel discounts, dining offers and more.