New Delhi, Sept. 1 -- Premium credit cards provide affluent users with an elevated spending experience with exclusive benefits. Still, such products and services can deliver real value only when users use these credit cards smartly and strategically.

In the nation's rapidly growing financial services sector, understanding how to leverage these credit cards can boost rewards, perks, and ensure that costs are managed efficiently.

Below are four smart ways premium credit card users can use their cards effectively:

Premium credit cards often come with accelerated reward points for travel, dining, and international spending. For example, the HDFC Infinia card provides users with 10x points on travel and shopping through SmartBuy.

Whereas t...