Personal Finance In India

You can find good number of such people who will spend their lot of energy in explaining you that why you should not use a credit card. However, due to the availability of varied options in the market such as Standard Chartered credit card, HDFC credit card, SBI credit card, etc., it becomes difficult to resist. If you are also interested in applying for a credit card in India then check out below top reasons of using a credit card.

Sign up bonuses- There are many credit cards which are offering significant reward points if they are used properly. Other cards give large number of points which you can redeem to get reward points like air travel, etc. 

Cash back- You can enjoy cash back offers on your credit card purchasing.

Points- Many credit card works on a point system where you would be able to earn some rewards on every purchasing. When you reach at certain threshold point then you can redeem that points for some gift cards at some merchant establishments. You can make use of them to get free movie ticket or flight ticket.

Global acceptance- The notable feature of a credit card is that you can use in throughout the world. So, even if you are traveling in a foreign country, you won't needed to take tension as you can use your credit card for making purchasing. 

Building credit- If you are having no credit or is interested in improving your credit report then the responsible use of the credit card will surely help your credit score.