3 Hacks Every Credit Card Holder MUST Know | Credit Card Expert Explains
In this insightful podcast, we sit down with Niraj Dugar (@dugarniraj) a Chartered Accountant and Credit Card Expert, to break down the most crucial things every credit card holder should know.
Whether you’re a beginner or a seasoned credit card user, this episode will help you make smarter financial decisions, maximize rewards, and avoid common pitfalls.
Timestamps:
0:00 - Intro
Part 1: How to Maximise Rewards
0:59 - How Many Credit Cards does Niraj has?
4:36 - His Free Air Travel Story using Credit Cards - What card he uses?
8:02 - Top Hacks to maximise Rewards
14:37 - Reward maximization for people with less income
16:03 - What to do when you have a credit card debt
18:38 - Rewards conversion to cash
Part 2: How to Choose the Right Credit Card
20:33 - How many credit cards should one have?
23:42 - Who should never apply for credit cards?
Part 3: Mistakes to Avoid
26:22 - Strict No when using a credit card
27:15 - How to improve credit limit?
29:35 - UPI linked credit cards - who should get it?
31:12 - What should a beginner do? First step after getting a credit card
35:18 - RAPID FIRE
39:10 - 1 advice for someone new to credit cards
What’s Inside This Podcast?
1. How to Maximise Rewards – Smart hacks on how Niraj got free Business Class Travel, and how to get the most out of cashback, air miles, and big-ticket purchases.
2. How to Choose the Right Credit Card – How to select the best card based on your lifestyle (salaried professionals, freelancers, travelers, etc.).
3. Mistakes to Avoid – Managing risks, increasing your credit limit, and staying financially disciplined.
In this insightful podcast, we sit down with Niraj Dugar (@dugarniraj) a Chartered Accountant and Credit Card Expert, to break down the most crucial things every credit card holder should know.
Whether you’re a beginner or a seasoned credit card user, this episode will help you make smarter financial decisions, maximize rewards, and avoid common pitfalls.
Timestamps:
0:00 - Intro
Part 1: How to Maximise Rewards
0:59 - How Many Credit Cards does Niraj has?
4:36 - His Free Air Travel Story using Credit Cards - What card he uses?
8:02 - Top Hacks to maximise Rewards
14:37 - Reward maximization for people with less income
16:03 - What to do when you have a credit card debt
18:38 - Rewards conversion to cash
Part 2: How to Choose the Right Credit Card
20:33 - How many credit cards should one have?
23:42 - Who should never apply for credit cards?
Part 3: Mistakes to Avoid
26:22 - Strict No when using a credit card
27:15 - How to improve credit limit?
29:35 - UPI linked credit cards - who should get it?
31:12 - What should a beginner do? First step after getting a credit card
35:18 - RAPID FIRE
39:10 - 1 advice for someone new to credit cards
What’s Inside This Podcast?
1. How to Maximise Rewards – Smart hacks on how Niraj got free Business Class Travel, and how to get the most out of cashback, air miles, and big-ticket purchases.
2. How to Choose the Right Credit Card – How to select the best card based on your lifestyle (salaried professionals, freelancers, travelers, etc.).
3. Mistakes to Avoid – Managing risks, increasing your credit limit, and staying financially disciplined.
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