Credit Card Strategy Without Debt: Rewards, Category Caps, Automation

Rewards are not free if you pay interest. Build a clean system first, then optimise.

Non‑Negotiables

• Autopay statement in full from a funded account. No revolving.
• Keep utilization under 30% of total limits to protect your CIBIL Score.

Optimisation Basics

• Pick one general rewards card and one category booster that matches your spend pattern.
• Calendar annual fee waiver checks. Downgrade or switch if the math fails.

Automation

• Use virtual cards and limits for subscriptions. Review merchant lists every quarter.