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Credit Cards – Compare and apply for Credit Card online for instant approval in Yes Bank, IndusInd Bank, Standard Chartered Bank, Axis Bank, HDFC Bank, IDFC Bank, AU Bank, & Kotak Mahindra Bank, with no or low annual fees.
Enjoy benefits with multiple rewards, fuel, shopping, entertainment, travel and cashback offers.
What is Credit Card?
A credit card is a financial tool that allows individuals to make purchases on credit, which means they can borrow money from a financial institution up to a certain credit limit.
It is a convenient and widely used payment method that offers several benefits to cardholders:
Convenience: Credit cards provide a quick and easy way to make purchases without the need to carry large amounts of cash.
They are widely accepted at various merchants, both online and offline, globally.
Builds Credit History: Responsible use of a credit card can help individuals build a positive credit history, which is essential for obtaining favourable terms on loans, mortgages, and other financial products in the future.
Emergency Funding: Credit cards can serve as a safety net in emergencies when unexpected expenses arise, providing immediate access to funds without the need to dip into savings.
Rewards and Perks: Many credit cards offer rewards programs, cashback, travel miles, or points for every dollar spent.
These rewards can be redeemed for various benefits such as discounts, travel upgrades, or even cash.
Fraud Protection: Credit cards typically come with built-in fraud protection measures that safeguard cardholders against unauthorized transactions.
If fraudulent activity occurs, cardholders are often not held liable for the charges.
Grace Period: Credit cards come with a grace period, usually around 18-25 days, during which no interest is charged on purchases if the balance is paid in full.
This can be advantageous for managing cash flow.
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Builds Financial Discipline: Properly managing a credit card requires budgeting and financial discipline.
Regularly paying off the card balance and avoiding excessive debt can lead to better financial habits.
Travel Benefits: Many credit cards offer travel-related perks such as travel insurance, airport lounge access, and rental car insurance, making them valuable companions for frequent travellers.
Online Shopping Security: Credit cards offer an added layer of security for online transactions.
In the event of a dispute with a merchant, cardholders can often initiate chargebacks to resolve the issue.
Credit Building Opportunities: Credit cards can help individuals establish or improve their credit scores when used responsibly.
This can lead to better interest rates on loans and credit products in the future.
While credit cards offer numerous benefits, it’s important for cardholders to use them wisely.
Failure to make timely payments or overspending can lead to high-interest debt and negatively impact credit scores.
Therefore, it’s recommended to only charge what can be repaid, pay balances in full each month, and take advantage of the perks without falling into financial traps.
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Also Read: Best Credit Cards In India
Read: Best Credit Cards For Beginners In India