How to Maximize Credit Card Reward Points in India 2026

Published April 12, 2026

Credit card reward points are free money. Learn strategies for HDFC, SBI, Axis, AMEX to earn more and convert to cash.

1. Know Your Earn Rate

HDFC Infinia: 5 RP per Rs150. SBI Elite: 2 RP per Rs100. Axis Atlas: 5 EDGE per Rs200.

2. Use Accelerated Categories

Route spending through 5x-10x categories like dining and travel.

3. Sell Points for Cash

Get Rs0.40-0.75 per point through Cashard - often better than bank catalogs.

Sell Your Points Now