New Delhi, Dec. 9 -- With digital payments surging and rewards becoming more competitive, credit card users in the country are increasingly looking to optimise their usage by clearing out credit card bills on time and following the basic rules of debt management.

Furthermore, smart credit card management not only boosts savings but also consolidates the long-term financial health of an individual. Here are five simple yet effective strategies that every credit card holder can use to maximise their credit card usage experience.

Choosing the right credit card according to your needs and aspirations. This determines how much value you extract. For example:

Hence, matching one's lifestyle with the most appropriate credit card categories he...