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Advantage Of Credit Card

Many banks offer cash back opportunities if you use your card to pay monthly bills (electricity) or for grocery purchases. Besides, online shopping portals too have cash back offers on various products.

Credit card companies offer reward points for any purchases you make with your card. For example, HDFC Bank gives 2-5 reward points for every Rs 150 spent using your card. You can then use these points to purchase gifts (available on the company’s rewards page).

If you are making a big-ticket purchase (TV, refrigerator, laptop), you can easily convert it to affordable monthly instalments. Banks usually charge interest for conversion to EMIs.

One of the main advantages of using a credit card is you can defer your payments till your bill your due. Banks offer a maximum 50-day grace period for paying back your dues.

Credit cards are safer than debit cards as in case of fraud you are not out of money immediately. Payment gateways like Visa, Mastercard also offer additional password protection while using the cards online.