For the price of a generic hotel room in Goa during December, you can rent a private villa with a pool in Bali. For the price of a taxi ride from Dadar to Nariman Point, you can eat a three-course meal in Vietnam.

Be the person who uses the bank's plastic to build a life of luxury on a budget. Treat your Credit Card like a loaded weapon—handle it with care, keep the safety on (Auto-Pay), and use it to hunt for big game (Business Class seats).