Apart from offering the ease of use, it is essential to have a credit card for the following reasons:
- Helps in building a good credit score
- Interest-free credit period of up to 45 days
- Hassle-free transactions both online and offline
- Comes with excellent rewards, cashback, discounts, offers, etc.
- Handy in emergency financial situations
- To make big-ticket purchases and pay later in easy EMIs
- All transactions are secure as they need OTP & PIN authentication