New Delhi, March 4 -- Credit cards are an integral part of the financial lives of most Indians today, bringing convenience and several advantages, including reward points. Reward points are highlighted as one of the key advantages but the question that has to be taken seriously is: Are they worth it?

It is important for card users to understand their card usage needs, rewards, credit utilisation ratio and overall expectations. So that they are able to actually realise how impactful and worthy the credit card reward points are?

It should be noted, according to a detailed report by Asit C. Mehta Investment Intermediates limited that, in January 2025, card spending declined 2% month-on-month (MoM) to Rs.1.8 trillion while increasing 14% ye...