Airmiles is a reward scheme via the point system that allows a credit card user to accumulate mileage which he or she can redeem for free flights to various destinations worldwide. The points can be earned by using an airmiles card for purchases or a card that offers an airmile reward. In other words, the more you use your card, the more mileage you earn.

This type of card can either be generic, meaning it lets you earn mileage in several airlines, or brand-specific which means it is exclusive only to one airline such as the Cathay Pacific Visa card.

Discipline and diligence in payment are vital if you want to benefit from this type of card. Frequent use of the card every month is the best way to increase your airmiles. However, it’s always ideal to pay off the balance in a timely manner to avoid rising charges in the long run.

Your free flights will eventually be achieved as long as you know how to manage your finances well. Keep in mind to pay on or before the due date so as not to incur any hidden charges. Or better yet, pay your balance in full each month to avoid the interest.

There are also some cards that allow a user to redeem his accrued mileage and pay additional cash to be able to choose a better destination. Most schemes do this but some airlines have restrictions.

With all the positives taken into account, users of this card should also know some disadvantages. Hidden charges in redeeming free flights have been a common complaint by customers. These include taxes, fees and other surcharges.

A user’s spending habit can also affect his balance. For instance, even if you pay the full balance each month but still make cash advances and other transactions using the card, interest still applies.

Some credit card issuers likewise put emphasis on customer loyalty. What happens is that you get more points when spending in specific stores and lesser points with other shops.

You must know, too, that although interest-free periods may be offered, some cards apply certain fees for balance transfers. So always check out the details if you’re unsure.