1. Align Card Choice with Spending Habits

To get the most out of credit card rewards, choose a card that aligns with your spending habits. For instance, if you frequently shop online, a card like Rakuten, which offers substantial rewards for online purchases, would be beneficial. Conversely, if you travel often, a card with strong travel rewards and benefits would be more advantageous​.

2. Leverage Sign-Up Bonuses

Many credit cards offer significant sign-up bonuses that can jumpstart your rewards accumulation. These bonuses often require meeting a minimum spending threshold within the first few months of card ownership, so plan large purchases accordingly to maximizae these benefits.

3. Utiliae Instalment and Revolving Payment Options Wisely

Understanding payment options like instalment payments (Bunkatsu Barai) and revolving credit (Ribo Barai) can help manage large expenses more effectively. Instalment payments allow you to spread out the cost of significant purchases over several months, which can be particularly useful if the interest rates are reasonable. However, it’s important to be aware of the potential high interest rates associated with long-term revolving credit.

4. Redeem Points Strategically

Maximise the value of your points by redeeming them for high-value rewards. Travel redemptions, for instance, often provide better value compared to merchandise. Additionally, some credit cards offer transfer options to airline or hotel loyalty programs, which can enhance the value of your points​.