Using Credit Cards On Vacation? Five Smart Ways To Maximise Rewards

Credit cards have become convenient tools for all travel needs for many. These cards also offer attractive discounts and rewards on both hotel and flight bookings, making them inevitable financial instruments for frequent travellers.

Credit cards help you to plan your travel and shopping even when you run short of cash. Many card issuers are offering a wide range of travel credit cards to meet the needs of customers for both domestic and international vacations.

The discounts, reward points and deals through brand partnerships also help you to enjoy a stress-free vacation.

There are several ways you can maximise the benefits of your credit cards while on a vacation. This includes getting discounts on booking tickets, eating out and more. Here are five smart ways to maximise rewards while using credit cards on vacation.

• Use co-branded cards: Several cards are linked to popular airlines or travel portals. This means you can start saving money from the time you book your tickets. Loyal customers get certain rewards including higher discounts, increased check-in baggage allowance and priority check-in. So, if you are using a co-branded credit card, you might be eligible for some big discounts when it comes to purchasing tickets.

• Airport lounge access: Many credit cards also provide complimentary airport lounge access, which can be useful for long layovers. By utilising this reward, you can relax in style during your vacation.

• Hotels and restaurants: Budgeting for food and lodging is one key part of vacations. Credit card rewards can make it easier for you to stay at the hotel of your choice or indulge in some fine dining without worrying about the expense. You might also be able to get free breakfast or other benefits such as early check-in at hotels.

• Travel insurance: Some cards can offer you protection against everything that can go wrong on a trip — lost luggage, an accident or an emergency. If your card offers any of these benefits, it is prudent to use it while traveling to accumulate more points.

• Travel credit card: The best way to maximise benefits is to get a travel credit card. This can ensure you get special discounts and rewards without compromising on a luxurious vacation.

Using credit cards for your vacation expenses not only allows you to get rewards, but it is also a way to reduce the hassle of carrying cash. By utilising credit cards, you can earn points that will be beneficial in the future.

It is also a secure way to pay for food and lodging if you are traveling. However, these points and benefits are valid for a limited time only. So, it’s advisable to use the reward points before they lapse.

With a little planning, you can use your credit cards for an enjoyable and luxurious vacation within your budget.