Indians have really been warming up to credit cards lately. More than a 100 million credit cards are in circulation in India as of now. And this rise has a lot to do with the benefits customers get: cash back deals and reward points that you can collect and redeem for anything from flight tickets to stays at fancy resorts.

But between the two, cashbacks are a more straightforward method of making the most of your credit card. Availing reward points, on the other hand, requires a combination of skill and patience.

And between the two, there’s one that banks actually don’t like.

Tune in to find out.

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