Optimising Credit Cards

Credit cards can either work for you or against you — it all depends on how you use them.

In this session, we’ll go beyond the basics and focus on practical optimisation.

We’ll cover:

• How to choose the right card mix for your lifestyle and income
• How to build or rebuild your credit score strategically
• Understanding utilisation and payment cycles
• Planning spends to earn maximum rewards at zero extra cost
• Using FD-backed cards to start your journey
• Common traps to avoid that silently hurt your score

Whether you’re just starting with FD-backed options like HDFC Tata Neu (Referal Code- ANKU78) and Kotak 811, or already managing multiple cards — this session will help you structure your credit smartly, stay debt-free, and make the system work in your favour.

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