Festivals are a time for celebration, connection and indulgence. From shopping for loved ones to decorating your home, the season often sees a peak in expenses. But what if you could turn those into opportunities? Imagine making every rupee you spend work harder for you through cashback, reward points or special offers.
There’s a way to embrace the joy of festive shopping while staying financially savvy. Here’s a guide to help you.
1. Combine discounts
During festive sales, retailers and online platforms often offer massive discounts. The smart move is to combine these with the benefits your credit card provides. Look out for tie-ups between credit card issuers and popular e-commerce platforms, where you can stack discounts on top of ongoing sales. For example:
- A store might offer a 30% discount and your credit card could provide an additional 10% cashback or instant discount.
- Some cards offer exclusive coupon codes or cashback offers when shopping with specific merchants.
Combining these benefits ensures you’re getting the absolute best price for your purchases.
2. Make the most of no-cost EMI
Big-ticket purchases during festivals—like gadgets, appliances or furniture - can put a strain on your budget. Many credit cards offer no-cost EMI options, allowing you to break down the cost into smaller monthly payments without paying any interest. Here’s how to maximise this feature:
- Check if your card is eligible for no-cost EMI with specific retailers.
- Ensure there are no hidden processing fees or additional charges.
- Plan your repayment capacity and choose a tenure that suits your budget.
This lets you enjoy your festival purchases now while spreading the financial impact over manageable instalments.
3. Check your credit card for festive offers
Credit card companies often roll out special festive campaigns to attract customers during this season. These offers could include:
- Instant discounts on purchases made at partner merchants.
- Additional cashback on categories like electronics, fashion or groceries.
- Flash sales or exclusive access to premium products during peak shopping days.
Make it a habit to regularly check your card’s official website, app or notifications for the latest festive offers. Keeping track of these can help you time your purchases for maximum benefit.
4. Take advantage of boosted reward points
Festivals are the perfect time to earn extra reward points on your purchases. Many credit cards offer boosted points for shopping during festive periods, which can later be redeemed for:
- Free flight tickets or hotel stays.
- Vouchers for popular brands.
- Cashback or statement credits.
To make the most of this benefit, check which categories earn you the most points, like travel, dining or shopping. Use your credit card strategically to maximise points on these transactions. Over time, these points can translate into significant savings or rewards.
5. Claim limited deal offers before they are gone
Festive seasons bring a flurry of limited-time deals that are too good to miss, but these offers often come with a ticking clock. Credit card issuers frequently collaborate with merchants to provide exclusive deals that may include:
- Massive discounts on electronics, fashion or home essentials.
- Flash sales with prices slashed for a few hours or specific days.
- Exclusive pre-sale access to hot-ticket items before they go live to the general public.
Usually, these deals are notified through emails, SMS and mobile app alerts. Regularly check these updates to avoid missing out.
Use your Kotak811 Credit Card during the festive season
The festive season is all about joy, shopping and celebrations. With your Kotak 811 Credit Card, you can enjoy all of this without worrying too much about expenses. From cashback to extra reward points, these perks can help you save while you shop. Use your card wisely, grab the best deals and make the festive season even more special and budget-friendly!
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This Article is for information purposes only. The views expressed in this Article do not necessarily constitute the views of Kotak Mahindra Bank Ltd. (“Bank”) or its employees. Bank makes no warranty of any kind with respect to the completeness or accuracy of the material and articles contained in this Newsletter. The information contained in this Article is sourced from empanelled external experts for the benefit of the customers and it does not constitute legal advice from Kotak. Kotak, its directors, employees, and contributors shall not be responsible or liable for any damage or loss resulting from or arising due to reliance on or use of any information contained herein.
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