How credit card rewards programs can improve your everyday life? Before you apply, read up on what makes a card a good fit for you.
If you have been paying the same high-interest credit card debt for years, you may want to consider refinancing your balance and getting a lower interest rate. The top credit cards come with high rewards programs that offer a ton of perks, but they more often than not charge an annual fee as well.
However, it is certainly possible to find one you might be interested in that offers the best of both worlds; great rewards and no annual fee. Here’s how to find the right card to get started.
Credit card rewards programs are a great way to get some extra perks on the purchases you are already making.
The reward can be anything from gift cards, and merchandise to cashback. These rewards can be used to help pay for vacations, give you cash back on your purchases, or just some extra perks on the things you are already buying.
How to choose the best credit card that suits your lifestyle?
Choosing the best rewards credit card for your lifestyle can be a simple and easy process. All you have to do is put all your options on the table and decide which will best suit your needs.
Types of Rewards
Rewards may come in many forms, but they all hold special meaning to us. You will want to make sure that you are collecting rewards in a way that’s right for you. For example, avid travelers will be delighted with air miles redeemable for flights or hotel stays as well as with car rentals and other travel-related engagements. People with large families might register for brand-name merchandise and gift cards for particular stores, while others might prefer donating points to charity or cash back options.
Rewards Programs should be flexible so that you can exchange your rewards points for what you’re most interested in. For example, Emirates Ultima Credit Card by Citibank UAE Unlimited access to 1000+ airport lounges worldwide for you and 1 guest Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month, Buy 1, Get 1 free movie ticket with Reel & Vox cinemas and International Concierge. Even better is that Complimentary Travel Inconvenience & Travel Medical Insurance are available!
The Importance of Redemption Rules:
If you have an Emirates Ultima Credit Card by Citibank UAE, you can benefit from a convenient travel portal that enables you to book flights, hotel deals, and other packages conveniently. Watch out for the price match guarantee on select products.
Redeeming money on your chosen platform is very easy, just like how Bitcoin and altcoins can be used to purchase anything, real or virtual. You don’t need to earn millions of points or points at all before you redeem; it’s all dependent on you and how much money you’re looking to get back (which isn’t much if any at all).
What is a good reward earning rate?
All rewards credit cards come with an earning rate, which is a measurement of your amount of points for every 1 AED spent. Most credit cards are divided by category. One can earn 1 point per AED in gas purchases, 4 in restaurants, and 2 on groceries, making it important to look at how the card attaches points per category before applying. It’s also important to note that some earning rates may vary.
New cardholders will earn up to an accelerated rate of 25,000 welcome bonus skywards miles and 10,000 miles annually upon payment of the Annual Fee, making it easier and more worthwhile to reach the rewards milestones mile markers. Afterwards, 1 AED = 0.7 Skywards Miles on Emirates.com spend in AED and 1 AED = 0.5 Skywards Miles on non-AED Spend.
Also, Get extra perks from your credit card!
Your card earnings are always changing. That’s why it’s important to check with your credit card provider when its new version is released – because sometimes they’ll increase the rewards rate on a particular card.
When you use an Emirates Ultima Credit Card by Citibank UAE, Complimentary Emirates Skywards Silver membership, giving you 12kg of extra baggage allowance, priority check-in access to 1000+ airport lounges worldwide for you, your supplementary cardmembers, plus one free guest each per visit, Unlimited complimentary golf on weekdays and once a month on weekends at some of the best courses in the UAE and other great benefits too!
EMIRATES CITIBANK ULTIMA CREDIT CARD
Earn up to 2.5 Skywards Miles per AED spend
AED 2,000 joining bonus statement credit upon meeting min spends
- Exclusive 100% Metal card
- Best Skywards earn rate in the UAE (up to 2.5 Skywards Miles per 3.67 AED)
- Complimentary Skywards Silver membership (extra baggage and Emirates lounge access in Dubai Airport)
- 25,000 Sign-up bonus Skywards Miles for the 1st year when you apply for the card & 10,000 Bonus Miles annually upon renewal
- Unlimited access to 1000+ airport lounges worldwide for you and 1 guest
- Complimentary Golf: unlimited on weekdays and 1 free round on weekends per month
- Buy 1, Get 1 free movie ticket with Reel & Vox cinemas
- International Concierge
- Complimentary Marhaba Silver Meet & Greet service
10. 0% interest installment plan on tickets purchased online at www.emirates.ae
- Complimentary Travel Inconvenience & Travel Medical Insurance and much more