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Credit Card FAQs

There are a lot of credit cards that grant you air miles or reward points when you use your credit card. If that is not something that appeals to you, you can instead choose to take a cashback credit card. Cashback Credit cards give you higher value on your spending by returning a percentage of your spending to your account, as long as you use the card frequently and are punctual with your repayments.
Every cashback credit card is accompanied by a percent rate. This rate tells you how much money you will receive back when you use your card for a certain spending category. For example, you could get a 5% cash back on groceries, or a 4% cash back on fuel, etc. These cashbacks are expressed in cash rebates, and you can use them to reduce your next credit card bill. Usually, the cashback card has a maximum amount of rebates you can receive, but there are also cards that allow you to earn as many cash rebates as you like. It is important to closely examine the fine print, to get a better grasp on the terms and conditions of the card, such as its annual fees, minimum spend requirements and partner merchants. This can aid you in your effort to save money.
A lot of the rebates that you receive from your cashback card are related to a specific spending category, such as dining, air travel or petrol. If you spend a significant portion of your purchases in any particular spending category, you could save a lot of money if you used a cashback card to make these purchases. A lot of cashback cards come with a mandatory minimum spend before you start to earn rebates. If you are using a cashback card but have to struggle to meet the minimum spend, then you might want to consider switching to another type of credit card. You will only receive cash back if the condition of your account is healthy. Make sure you pay your credit card bill in full every month, or you will not receive any rebates, and you will have to start paying interest over your outstanding account balance.

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