I have been using a lot of credit cards for several years now. For a good credit score having credit card for more years is one important criteria. I think I have been holding mine for over 14 years. CITI bank credit card was my first credit card and since then I have been using the same card even fter it got converted to Axis Bank card. I even know the credit card number by heart. I should also say that it was also my favourite card because all my expenses earn rewards and the good thing about the rewards is that it gets credited back to the account as cashback.
Now my recent favourite has been this Amazon Pay Credit Card. I do have my Axis card with me along with 15 other credit cards but these days for the past few months I noticed that most of my spendings go only on this Amazon Pay Credit Card because of the cashbacks, offers and rewards I get. Some of the rewards are instantly credited to my Amazon Pay wallet and some of the rewards are credited when the bill gets generated. That's the most interesting things for me. I don't want to accumulate reward points these days and buy something from their store for an elevated price.
Source - Gemini
For example, I have been accumulating some reward points on my HDFC credit card since I started using it but till date I have not redeemed anything using the reward points. Sometimes it goes waste and sometimes when the card gets upgraded, the reward points are carried forward. Even if I go to their store to purchase any product the price is elevated there and I can get them for a better price on Amazon. But ever since I started using my Amazon Pay credit card the rewards are transparent and no reward points business.
I get more than 1000 or even 2000 Rs per month on my Amazon Pay wallet for my spendings and for using some coupons. I can then use this money to pay my other purchase which is the most interesting thing about Amazon Pay credit card. I don't have the burden of having the money in the wallet at all. The reason is that I can use it for any purpose. I mostly used it for my mobile bill payment or any food purchase where my food becomes absolutely free.
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