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Cashback vs Reward Points: Which Saves More on ₹50,000 Puja Shopping?
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News18•23-09-2026, 19:29
Cashback vs Reward Points: Which Saves More on ₹50,000 Puja Shopping?
- •When spending ₹50,000 on a credit card for Puja shopping, the savings depend on whether you choose cashback or reward points.
- •A 2% cashback card offers a direct ₹1,000 cashback on a ₹50,000 spend.
- •Reward points, such as 5,000 points for the same spend, have a variable value depending on redemption options.
- •If 1 point is worth 20 paise, 5,000 points equal ₹1,000; if 25 paise, they are worth ₹1,250.
- •Cashback is ideal for those who prefer simple, direct benefits, while reward points are better for frequent travelers or high spenders who can maximize their value through strategic redemption.
Key Questions Answered
For a credit card that offers 2% cashback, spending ₹50,000 will get you ₹1,000 cashback.
Unlike cashback which has a fixed monetary value, reward points do not always have a fixed rate. For instance, 5,000 points might equal ₹1,000 in one redemption option or be worth more for travel offers, or vary depending on whether 1 point is worth 20 or 25 paise.
If you prefer simple, direct benefits without spending time managing points, cashback is more convenient. Conversely, if you travel frequently or spend large amounts and know how to maximize redemption value, reward points can be more effective.
