Credit-card Float Method – 45 Days Free Cash + 2 % Reward (Free Calculator)

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  1. Credit card float = free 45-day loan + 2% reward—if you pay on the last day. The credit-card float method gives you short-term gaps between the purchase date and the payment due date.
  2. I float ₹30k monthly on the ICICI Amazon Pay card → zero interest + ₹600 cashback.
  3. Secret: statement cycle hack + UPI reward stacking + no-cost EMI buffer.
  4. Result: ₹ 1,200 extra cash/year without changing spending—just timing.
  5. Below: live Google Sheet → plug in your statement date + spend → auto-calculates float days + cashback.
  6. No e-mail wall—copy and play.
  7. It helps you make smarter use of available funds without any interest payments in a safe period.
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Methodology

I float ₹ 30k monthly on the ICICI Amazon Pay card → zero-interest cycle + 2% cashback.
Statement date: 5th → pay by 20th → 45-day float.
UPI reward stacking: Amazon Pay UPI → extra 2% on Amazon spends → ₹600/year.
No-cost EMI buffer: big-ticket split → keeps utilization < 30% → CIBIL safe.
Auto-debit: last day → never pay interest.
The live sheet tracks float days and cashback → green cell = optimal pay date.

👉 Make a copy & optimise your own float

Conclusion

Bottom line: 45-day float + 2% reward = free working capital + cashback—no spending change, only timing.
Rule of thumb: pay on the last day of the interest-free period → never break the cycle.
Action: open the sheet above, plug in your statement date and monthly spend → green cell = optimal pay date.
Grab the calculator → copy → set auto-debit today.

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