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With that said, here are our 6 all-time favorite credit card hacks:Fly-Free Sign-Up Bonus Churning. Credit card companies offer more value to lure you in the door, than at any other time. ...0% Balance Surfing. ...Annual Companion Airfare Vouchers. ...Free Baggage. ...Cheap Foreign Exchange. ...Never Be Late Again.1. Fly-Free Sign-Up Bonus ChurningCredit card companies offer more value to lure you in the door, than at any other time. Take advantage. Why spend $40,000 on your credit card to earn 40,000 points, when you can earn 40,000 points simply for applying for a new one?In fact, we recommend churning as many credit cards as you can, to earn the most amount of points in the shortest period of time. Churning is simply the practice of opening a new credit card, qualifying for the welcome bonus, using the points, canceling the card and doing the same process over and over again.2. 0% Balance SurfingPaying interest on your credit cards is a choice. With a little effort, you can easily find a promotional 0% interest rate for 12 months or more!If you currently have high-interest credit card debt, find a balance transfer credit card with a 0% rate. Then transfer your high-interest credit card debt to your low-interest balance transfer card. Before the expiry of your 0% promotional rate, find another credit card offer with a 0% rate and do the same thing all over again. Surfing from one low rate to another is a time-tested hack.3. Annual Companion Airfare VouchersImagine if you could use your welcome bonus points to fly free, and then use a companion voucher to fly your spouse on the exact same itinerary as you, for $120!Some cards offer an annual flight companion voucher, just for keeping your card open. Every year you keep your card, you get a voucher, mo minimum spend required. You can then use the voucher, usually for around $120, to fly your companion round-trip to anywhere in North America, saving you hundreds of dollars in airfare.4. Free BaggageTen years ago, we never thought about our bags. Now airlines are charging us every which way but Sunday in an endless stream of add-on pricing. Bags are no exception, costing us as much as $35 each way to check-in our bags. If you have a family of four, you could easily spend $280 ($140 each way) on baggage fees alone each trip!Many credit cards now offer free first checked bags. However, some even offer free checked bags for the primary cardholder and up to 8 traveling companions. Just make sure that when you see a credit card offer free checked bags, you understand whether it’s on any of the airline’s flights, or only on those you redeemed miles for.5. Cheap Foreign ExchangeForeign exchange can be really expensive when traveling out of the country. Exchanging your money at an airport, hotel or touristy currency exchange booth is out of the question – it can easily cost you upwards of 10%.Credit cards can actually offer some of the most competitive exchange rates available. If you get a credit card with no foreign transaction fees, you’ll typically pay less than 1% to exchange your money – a lot better than what you’ll get from your bank if you exchanged your money in the branch.6. Never Be Late AgainLate payments not only ruin your credit score, they can cost you $30 or more each and every time. Even though most of us have the money to pay our credit cards on time, many of us are late simply because we’re forgetful. Here’s a tip to guarantee on-time payments.Simply pre-authorize payments to your credit card from your bank. You can choose to automatically pay your minimum payment due, or the entire balance. Obviously, we would recommend you choose to pay your entire balance, to avoid accumulating any debt whatsoever.

all the credit cards have different features and offer reward points and cashbacks on different categories. so it is all depends on your requirements. if a credit card fulfill your maximum requirements then it is good for you.here are some credit cards good for some specific categoriesbest card for cashback#Standard chartered manhattan platinum cardKey benefits5% cashback on purchase at supermarkets and departmental stores like More, Reliance fresh, Big bazar and Food bazar5x rewards when you use your credit card to pay for Hotels, Dining, Airline ticket reservation and Fuel.Get 1 reward point per Rs.100 on all other spends.best Card for fuel saving# Indian oil citi platinum credit cardkey benefitsGet benefits of worth Rs 250 on the activation of card before 31st oct.4 Turbo Points on Rs.150 of fuel purchases at authorized IndianOil Retail Outlets across the country.2.5% of fuel surcharge waiver.2 Turbo Points on Rs.150 at grocery and supermarkets.1 Turbo Point on Rs.150 spent elsewhere like Shopping, Dining and more.best card for travelling# The American Express® MakeMyTrip credit cardkey benefitsYou will get welcome gift of 2 MakeMyTrip voucher,each worth Rs.1000.Earn 2 points per Rs.100 you spent.Earn up to a total of 5 points per Rs.100 spent on MakeMyTrip.Get a MakeMyTrip voucher worth Rs. 2,000 on spending Rs. 1.25 lacs and an additional MakeMyTrip voucher worth Rs. 5,000 on spending Rs. 2.5 lakh , every year.

Best credit card or credit card combinations to maximize rewards and cash back:Citi Double CashThe Citi Double Cash card gives cardholders the opportunity to earn cash back twice: 1% cash back at the time of purchase and another 1% when payment is made, for a total of up to 2% cash back. This card offers 18 months of 0% APR introductory financing on balance transfers, with a 3% balance transfer fee. After the promotional financing rate expires, cardholders will have an interest rate of 13.24% to 23.24% on the remaining balance, depending on your creditworthiness.Chase Freedom UnlimitedThe Chase Freedom Unlimited card offers cardholders 1.5% cash back on every purchase, with no limit on the amount of rewards. New cardholders earn a $150 bonus after spending $500 on purchases during the first three months of opening an account. In addition, cardholders can earn another $25 when an authorized user is added who makes a purchase within the same three month period. The Freedom Unlimited card offers 0% APR for 15 months on both new purchases and balance transfers, with a 5% balance transfer fee.Capital One QuicksilverThe Capital One Quicksilver card offers customers 1.5% cash back on all purchases with no limits. New cardholders receive a $100 cash bonus when they spend $500 on purchases within the first three months of opening the account. Customers get nine months of interest-free financing on both new purchases and balance transfers, with a 3% balance transfer fee. After the introductory financing period ends, the standard interest rate of 13.24% to 23.24% will apply. Cardholders receive complimentary 24-hour-per-day concierge service and extended warranty coverage.BankAmericard Cash Rewards Credit CardThe BankAmericard Cash Rewards Credit Card offers cardholders the chance to earn 1% cash back on every purchase, 2% at grocery stores and 3% on gas, up to the first $1,500 in combined grocery/gas purchases each quarter. There is a $100 online cash rewards bonus after a new cardholder spends $500 on purchases during the first 90 days of an account opening. There is a 0% introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, with a 3% balance transfer fee. After this introductory period, there will be a 13.24% to 23.24% variable APR. Customers can also receive a 10% bonus when the cash back is redeemed into a Bank of America checking or savings account.Similar to the Chase Sapphire Preferred Card, the Ink Plus Business Credit Card is also part of the Chase Ultimate Rewards program. With a heftier sign-up bonus (currently 50,000 points after you spend $5,000 within 90 days), however, this card offers a slightly bigger bang for your buck.With this card, you earn 5 points per dollar on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year. Meanwhile, you earn 2 points per dollar on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year. Since you’re earning Ultimate Rewards points, you can use them to book travel through the bank’s travel portal, transfer them to a number of popular partners, or redeem them for cash back, gift cards, or merchandise.Capital One Venture Rewards Credit CardBenefits of the Capital One Venture Rewards Credit Card: One of the most flexible travel cards out there, earning miles per dollar no matter the purchase. Rewards can be used as a credit against most travel expenses like tickets or hotel rooms booked through your favorite site, and they don’t expire as long as your account is active. This flexible program allows you to book through discount sites like Kayak and to fly on the airline of your choice, rather than limiting you to just one carrier. If you fly on a number of different airlines or prefer bargain-hunting, there’s no better airline card.Barclaycard Arrival Plus World Elite MasterCardEarn 2 miles per dollar spent on all purchases. You’re not restricted to any particular airline or hotel brand. Simply make a travel purchase with the card, then redeem your miles for statement credit against the purchase. You get 5% of your miles back every time you redeem — great way to get started saving for your next trip. It’s one of the only travel cards with a 0% introductory APR on balance transfers.Blue Cash Preferred Card from American ExpressOne of the highest rewards rates on on groceries around, supplemented by a competitive unlimited rate on gas and department stores. All other purchases earn an unlimited 1% back. Cardholders can get 6% cash back on gift cards — such as Starbucks, the Gap, Home Depot, etc. — when purchased at grocery stores. Doing so extends the 6% cash back far beyond just groceries. To know more, visit here…. Cash back cards