New Delhi, Sept. 2 -- Making a credit card part of your long-term savings plan can be a smart financial decision. Instead of seeking credit cards merely for spending purposes, they can be leveraged to earn rewards, cashbacks, associated benefits, and manage expenses prudently.

With rising digital transactions and evolving credit card norms and regulations, here are five tips for cardholders to optimise credit cards for saving purposes.

The first step is to select a credit card that is aligned with your fundamental spending habits. These habits can be associated with groceries, travel, dining, day-to-day expenses, or utility payments. Cards offering category-wise cash rewards or points can provide maximum benefits.

For example, credit c...