New Delhi, March 6 -- Credit card spends earn you a good number of reward points, especially if it is in low-risk consumption categories such as grocery, utility bills, apparel, restaurant, supermarkets, telecom and entertainment. But can you use the reward points to make direct payments at merchant outlets and e-commerce platforms?

Several leading card issuing banks have their own 'smart buy' portals that offer insta vouchers and other modes to redeem the reward points. But IndusInd Bank, Kotak Mahindra Bank and TWID, a rewards-based payments network that has tied up with leading banks, are among those that allow you to use the reward points to make direct payments at the merchant outlet. Here is a guide on how to make direct merchant p...