2025年,印度信用卡用户在高回报和旅行需求不断上升的驱动下,将航班预订和航空公司里程优先于回扣。 In 2025, Indian credit card users prioritized flight bookings and airline miles over cashback, driven by high returns and rising travel demand.

根据SaveSage报告,2025年,飞行预订和航空公司里程转账成为印度信用卡奖励点的最大用途,首次超过回现。 In 2025, flight bookings and airline mile transfers became the top use of credit card reward points in India, surpassing cashback for the first time, according to a SaveSage report. 根据110 000多名用户提供的数据,32%的赎回点被用于旅行,共计850卢比。 Based on data from over 110,000 users, 32% of redeemed points were used for travel, totaling Rs 850 crore. 旅行救赎每花费100卢比的平均回报率为15.6%,在所有类别中最高,总体奖励效率从2024年的2.2%提高到7%。 Travel redemptions delivered a 15.6% average return per Rs 100 spent, the highest among all categories, boosting overall reward efficiency to 7% from 2.2% in 2024. 对公务舱和长途航班的需求激增,11月和12月的高峰使用达到高峰。 Demand surged for business-class and long-haul flights, with peak usage in November and December. 30-35岁的用户最优化,而Pune、Bengaluru和Gurugram等城市的效率最高。 Users aged 30–35 showed the highest optimization, while cities like Pune, Bengaluru, and Gurugram led in efficiency. 第二级城市增长迅速,但机场温泉和休息室等溢价优惠仍然利用不足。 Tier-2 cities saw rapid growth, though premium perks like airport spas and lounges remained underused. 2025年10月,信用卡支出逐年增加19.6%,达到2.14亿卢比。 The shift coincided with a 19.6% year-on-year rise in credit card spending, reaching Rs 2.14 lakh crore in October 2025.