UPI apps, credit cards, digital wallets — everyone seems to offer some cashback or reward points. But with every transaction promising ₹5, 1%, or 10 points per ₹100, it's hard to tell what's real savings and what's a clever gimmick.
Let’s break down how to evaluate cashback offers, where you're actually saving, and how Vizzve Finance can help you stay on top of it all.
🎁 The Allure of Cashback: Why It Works
Cashback feels like “free money”, but in reality, it often:
Encourages more frequent or higher-value purchases
Locks you into specific apps or platforms
Has minimum spends, capped rewards, or delayed benefits
🧾 Types of Cashback & Rewards in 2025
| Type | Example | Real Value |
|---|---|---|
| UPI Scratch Cards | GPay, PhonePe ₹1–₹100 per spend | Low (₹0–₹20 avg) |
| Credit Card Cashback | 1–5% on fuel, travel, groceries | Medium–High |
| Wallet Cashback | Paytm, Amazon Pay – limited categories | Low |
| Brand Offers | Flat ₹200 off on ₹1,000 spends | High (if needed) |
| Rewards Points | Redeemable later for vouchers | Varies a lot |
🧠 How to Know If It’s Worth It
✅ 1. Check Reward-to-Spend Ratio
Example:
Spend ₹1,000 → Get ₹10 cashback
→ Effective return: 1%
Vizzve can show your monthly reward % vs actual spend.
✅ 2. Don’t Chase Cashback
If you’re spending more just to unlock an offer, you’re losing money.
Avoid: "Spend ₹5,000 this month to unlock ₹500 voucher."
✅ 3. Watch for Expiry
Credit card points can expire in 12–24 months
Scratch card rewards must be claimed within 7 days
✅ 4. Match Cards to Your Lifestyle
Use a credit card that rewards your actual expenses:
Travel Card for flights
Grocery Card for families
Fuel Cashback Card if you drive daily
✅ 5. Track It All in One Place with Vizzve
Vizzve Finance helps you:
Track reward earnings per month
Compare reward % per app or card
See net gain vs unnecessary spends
Get alerts for expiring points or cards
🔍 Vizzve Tip: Your Real Cashback Report
A user spending ₹25,000/month across UPI and credit cards might see:
₹500+ cashback
₹200 worth of expiring rewards
₹1,000+ wasted on overspending for offers
Vizzve’s insights show you the true picture — not just the ₹5 scratch card.
❓FAQs
Q1. Are UPI cashback offers worth it?
Only if they align with your regular spending. Don’t spend more just to earn ₹5–₹10 rewards.
Q2. Which credit card gives the best cashback?
Depends on your lifestyle. Vizzve can help you analyze your spending and suggest better alternatives.
Q3. Should I use multiple credit cards to maximize rewards?
You can — but track them using Vizzve to avoid confusion, missed due dates, or expired points.
Q4. How can I avoid overspending for cashback?
Use a monthly spending cap in Vizzve and enable purchase alerts to stay within budget.
Published on : 19th July
Published by : SMITA
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