Credit Card Rewards And Cashback Tips For Sharadiya Navratri 2025

Festival shopping is enjoyable and quick. However, some mindful steps prior to checkout can turn spending into actual savings. Here are hands-on, no-nonsense tips to maximise credit card rewards and cashback during Sharadiya Navratri 2025.

Know Your Cards And Where They Pay

Step one, categorise your cards according to the reward they provide. Some cards reward more on clothes. Some reward more cashback on eating out or on groceries. Write down the rewards all in one place. For example, if a card rewards 5 per cent on clothes, then a Rs 4,000 saree gets you Rs 200 back. Use the card that rewards the most for that category.

Stack Offers Carefully

You can usually double up retailer coupons, app vouchers, and card cashback to save more. But read the terms. Most deals have minimum spend requirements and maximum cashback, or some brands are excluded. Take a screenshot of the terms, mark down the dates, and work out the end price after all the discounts. Little calculations now prevent regrets later.

Pre-Register And Activate Festival Deals

Most festival offers require pre-registration or activation. Do that before the sale begins. Link your card to the merchant account when necessary. Set reminders on offer start and end dates so you do not miss limited-time offers. 

Redeem Points With Purpose

Reward points are worthless if you don't use them wisely. Look at redemption opportunities and value. Points that are redeemable as statement credits or gift vouchers tend to offer the maximum bang for your buck. Do a quick calculation: if 1,000 points equal Rs 250 in voucher terms, redeem them where they lower your actual expenditure the most.

Watch Caps, Expiry And Return Rules

Most festivals offer cashback per card or per person. Even points and vouchers have an expiry date. Cashback or points can be reversed in the case of a return, and few merchants will refund to the initial payment mode. Save receipts and screenshots. In case of returning the product, monitor the reversal so that you don't miss out.

Make use of Gift Vouchers and Festival Bundles

Purchasing merchant gift vouchers in pre-sales can provide additional value. A Rs 1,000 voucher that costs Rs 900 is a 10 per cent immediate saving on future purchases. Add card cashback and you double your savings. Just verify if vouchers can be used on sale items and remember expiry dates.

Avoid Interest By Paying In Full

Interest usually eliminates rewards. Always try to pay your card balance in full every month. If you don't pay in full, the interest charge may be more than any cashback you have earned, leaving you with less. Use cashback as a bonus, not an excuse to splurge.

Monitor Savings And Create A Festival Budget

Prior to the festival, decide on a budget. Monitor what you save in cashback and points so that you can determine whether or not offers are actually making a difference. A basic spreadsheet or notes app is sufficient. If you saved Rs 2,000 after all the discounts, that is your actual festival windfall.

Check Currency Conversion Charges On Imports

If you buy goods from international websites, find out how your card processes foreign currency conversion. A low conversion fee can eat into the cashback value. Compare the final bill in rupees with the savings promised before completing payment.

Sharadiya Navratri is a good time to update wardrobes, pre-book meals and plan weekend getaways. With some homework, intelligent stacking, and responsible payment behaviour, credit card rewards and cashback can reduce festival expenses significantly. Consider reward points as festival laddoos for your wallet: earn them, redeem them judiciously, and relish the sweetness without a sugar crash.