A credit card is a plastic instrument that helps you buy groceries, accessories, travel & movie tickets, besides offering you the privileges of airport lounge access, 24x7 concierge assistance, etc. The money spent on the card helps you rake in rewards, discounts, cashback, fuel surcharge waivers, and much more. The rewards earned can be redeemed for exclusive gifts, cashback to the credit card account, etc. These rewards would mostly expire within 2-3 years of their accumulation. A few cards, though, come with never-expiring reward points. You can also get rewards for spending a specific amount as mentioned by the credit card issuers and apply for a credit card online. These rewards can come in the form of gift vouchers or the fee waiver, resulting in enhanced savings for you.