 "Credit Card, Shopping")
About 70 per cent of credit card users do not optimise their rewards, according to a February-March 2025 survey of over 5,000 users across nine major cities. The survey was conducted by SaveSage, a fintech platform that helps users optimise their credit card rewards and loyalty programmes.
Why reward points are not optimised
Many users who hold multiple cards fail to use them strategically.
“They swipe the same card for every transaction, regardless of whether it offers optimal rewards for that category,” says Adhil Shetty, chief executive officer (CEO), Bankbazaar.com.
Ashish Lath, founder, SaveSage, attributes the expiry of reward points
