Credit cards dominate the digital transactions arena. Apart from convenience, credit cards offer various other value-added benefits like loyalty rewards, cashback, merchant discounts, airport lounge access, and many more. Continue reading to explore the incredible benefits of credit cards.

For decades, India was a predominantly cash-oriented society. Of late, there has been a surge in digital transactions. Today, a vast majority of people own a debit or credit card. Most of us hold more than one plastic card and reach out for it, to pay for our daily transactions.

Yet, even today, not many people are aware of the multitude of benefits offered by credit cards. Besides the convenience, credit cards offer various other benefits to the cardholder. In this article, we list the top benefits of owning a credit card.

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Key Benefits of a Credit Card

Let’s examine the reasons why owning and using your credit card provides various benefits:

1. Convenience
2. Buy Now, Pay Later
3. Build your Credit Score and History
4. Contactless Payment Method
5. Pay Utility Bills and other Recurring Payments on Time
6. Online Shopping on Domestic & International Websites
7. Safe and Secure

Credit Cards are a Powerful Financial Tool

Contrary to common beliefs, credit cards are not to be feared. Most people stay away from using credit cards as they fear it leads them into a debt trap. When you use a credit card responsibly, it not only increases your convenience but also offers an array of other benefits.