Want to save big? Discover how to layer credit card offers, coupons, and rewards for maximum benefits

In as we speak’s world of digital funds, credit cards are greater than only a strategy to pay—they might help you save huge when used well. A easy trick known as “stacking” permits you to mix a number of affords, reductions, and rewards to get the very best deal in your purchases.

What’s stacking?

Stacking is all about utilizing a number of financial savings choices collectively to cut back your ultimate invoice. Consider it as layering reductions for max worth.

The important thing elements of stacking embody:

●Financial institution & platform reductions– Banks typically workforce up with manufacturers to supply additional financial savings on particular retailers.

●Service provider affords & coupons– Shops regularly run their very own promotions that may be mixed with card advantages.

●Bank card rewards– Many playing cards supply cashback, reward factors, or air miles on eligible spends.

●Pockets & UPI app reductions– Apps like Paytm, PhonePe, and Amazon Pay present cashback on transactions.

●Reward playing cards & vouchers– Shopping for discounted reward playing cards and utilizing them for purchases can additional enhance financial savings.

Find out how to apply stacking in on a regular basis spending

1. On-line procuring: Maximising pageant & sale reductions

Say you’re shopping for a smartphone price ₹50,000. As an alternative of paying the complete quantity, you’ll be able to stack financial savings like this:

● Use a bank card that provides additional rewards on on-line procuring (e.g., Axis Magnus, HDFC Infinia, AMEX Platinum).

● Search for financial institution affords—banks like HDFC, ICICI, and SBI typically present on the spot reductions throughout gross sales.

● Buy an Amazon Pay Reward Card to get accelerated reward factors by way of HDFC or AMEX Gyftr to earn additional reward factors.

By combining these, you might save ₹8,000– ₹10,000 whereas incomes reward factors for future purchases.

2. Eating & journey: Get pleasure from luxurious for much less

●Eating:

○ Use EazyDiner, Zomato Gold, or Swiggy Dineout for upfront reductions.

○ Pay with premium bank cards (e.g., HDFC Diners Black, AMEX Platinum) to get additional cashback or rewards.

○ Purchase journey vouchers by way of SmartBuy (HDFC) or AMEX Reward Multiplier to earn as much as 10X factors.

○ Use journey bank cards like Axis Atlas or SBI Air India Signature to get bonus miles or reward factors.

○ Redeem earned factors for lodge stays or flight upgrades as an alternative of paying money.

Whereas stacking might help you save, be aware of those factors:

Verify phrases & situations– Some affords can’t be mixed, and cashback limits might apply.

Rewards capping– Some bank cards have limits on bonus rewards—both by capping the utmost rewards you’ll be able to earn or proscribing them to particular transaction quantities.

Keep away from additional charges– Some wallets cost charges while you pay with a bank card.

Use rewards earlier than they expire– Reward playing cards, factors, and reductions typically include expiry dates.

Conclusion

Stacking affords is a great strategy to get probably the most out of your spending. As an alternative of utilizing only one low cost, layer a number of advantages to make your cash go additional. Whether or not you’re procuring, eating, or traveling, the trick isn’t just to spend much less, however to spend properly.

Ashish lath, founding father of SaveSage, a bank card skilled platform