SaveSage’s Pan-India Survey Reveals 70% of Credit Card Users Fail to Maximise Rewards

Highlighting important inefficiencies in how Indian shoppers use their bank cards, SaveSage, India’s main bank card rewards and loyalty optimisation platform, has unveiled the findings of its pan-India Credit Card Rewards Behaviour Survey 2025. Conducted between February and March 2025, the survey captured responses from over 5,000 bank card holders throughout 9 primary towns, revealing that buyers unknowingly fail to spot really extensive financial savings because of underutilised praise issues and card advantages.

 

Credit Card Rewards Behaviour Survey 2025: SaveSage Reports

 

At a time when India is house to over 109 million lively bank cards (RBI, February 2025) and credit-based spending is hastily surpassing conventional fee strategies, the consequences of those findings are really extensive. The survey unearths that 70% of customers fail to completely optimise their rewards, in large part because of fragmented data, lack of expertise, the overpowering complexity of praise buildings and the tedious redemption procedure. This interprets into misplaced non-public financial savings, and likewise highlights a bigger inefficiency in India’s dynamic shopper finance panorama.

 

Key Findings from the Survey

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  50% of respondents face demanding situations in redeeming rewards -often settling for cashback over extra precious choices like shuttle, products, or unique spouse gives

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  50% of cardholders let praise issues expire, in large part because of unawareness or loss of monitoring mechanisms

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  60% are blind to complimentary card perks comparable to living room get admission to, shuttle insurance coverage, golfing privileges, and concierge products and services—foregoing top class advantages at no further price

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  55% of day by day transactions are nonetheless performed by way of UPI or money, indicating that bank cards aren’t being utilised as a number one fee manner in spite of their rewards and unfastened credits length benefits

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  60% of customers depend on social media influencers for bank card recommendation – elevating issues about credibility and the will for extra faithful, expert-driven data

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  65% of customers are open to switching their number one bank card in pursuit of higher advantages, reflecting a want for extra personalized, high-value choices
  
   

These insights spotlight a important hole between the expanding availability of bank card rewards and their exact utilisation, one that may be bridged thru higher training, simplified equipment, and skilled steerage.

 

Commenting at the findings, Ashish Lath, Chief Saver at SaveSage, mentioned, “The findings from this survey validate what we’ve long believed – that most Indians are leaving real money on the table simply because they don’t have the tools or knowledge to optimise their credit card rewards. At SaveSage, we’re committed to changing that. Whether it’s through our AI assistant Savvy or personalized recommendations, our mission is to help every user unlock the full potential of their credit cards and loyalty programs – without the complexity.”

 

As credit-based monetary merchandise turn out to be extra embedded within the day by day lives of Indian shoppers, SaveSage performs a pivotal function in serving to customers navigate this evolving ecosystem.

 

About SaveSage

SaveSage permits customers to trace, organize, and optimise bank card praise issues and loyalty systems in a single position. The platform analyses particular person spending patterns and recommends the most efficient bank card suited as in keeping with consumer’s wishes, making sure most rewards and advantages. Currently, SaveSage helps over 750 bank cards and 75 loyalty systems. SaveSage’s AI enabled spends assistant Savvy is the first-of-its-kind device in India that permits customers to optimise their bank card spends at the cross. SaveSage used to be introduced in Oct’24 and as of Mar’25, it has 50,000+ customers.

 

SaveSage is sponsored through marquee institutional buyers like iSEED, Atrium Ventures, and LetsVenture Fund, at the side of outstanding angel buyers together with Bhavesh Gupta, Dr Shriram Nene, Ritesh Malik, Ramneek Sehgal, Mayank Gupta, Rahul Mathur, Piyush Nangru, Utkarsh Kumar, Amit Goel, and others.

For additional info, please talk over with www.savesage.membership. For any queries, touch us at [email protected].