No. You cannot earn reward points on all your credit card transactions. This is one of the most often asked questions because tele operators do not mention this detail when offering you a credit card.

Thus, it is important to know which transactions will help you gain reward points.

Here are a few transactions you cannot earn reward points on:

- Purchase of fuel

- Payment of insurance premiums

- Purchase of gold or gold jewellery

- Utility bill payments such as telephone bill, electricity bill, etc

- EMI transactions

The above is an indicative and not exhaustive list. Please check with your credit card company to know which transactions can earn you reward points, and which can’t.