7 Reasons You Are Smarter with a Credit Card in Your Pocket
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7 Reasons You Are Smarter with a Credit Card in Your Pocket

  • Highlights

  • A credit card helps you buy time to make a payment

  • You can avail cash-back offers with your credit card

  • Most credit cards offer reward points on spends

  • Credit cards help you be prepared for an emergency

Have you ever been in a situation that you want to make an urgent purchase but don’t have time to withdraw cash? This is when a credit card gives you a smart shopping option and saves you time. Even better, you do not have to carry a lot of cash. So, there is no need to worry about pickpockets or losing your wallet. This is a gateway to a better lifestyle. Here is how a credit card makes your life better:

1. It helps you buy time to make the payment

The best feature a credit card offers is that it helps you buy time. Let’s consider you go to a shop, you buy whatever you want and pay for it using cash or debit card. You may see an immediate dip in your bank account balance. But, if you pay using a credit card, you get a month’s time to make the actual payment.

2. You can get a grace period

Have you shopped till you dropped on your credit card? If you are worried about the repayment, rest easy. Banks and financial institutions offer a 50-day grace period to credit-card users for repayment of dues.

3. You can avail cash-back offers

You use your credit card for several purposes like shopping, travelling, paying the grocery bill and more. Your banker may extend a cash-back facility to you. The same principle works for using your credit card on online portals. It may be a good idea to compare credit cards. Go for the one that suits you.

4. It makes big buys affordable

You can go ahead and make an expensive purchase. The high-tech refrigerator of your dreams or an LCD or a new washing machine. Use the equated monthly instalment (EMI) facility on your credit card to make your purchase easily.

5. You can get reward points

With your credit card, you can earn while you shop. Many banks offer reward points on credit cards. You can use these points to buy a range of products.

6. You can be prepared for any emergency

Life has a way of taking you by surprise. You may have to fly immediately to another city to take care of your ailing parent, or deal with a sudden hospitalisation where the bill runs up to lakhs of rupees. This is where a credit card comes handy. It helps you be prepared for emergencies without having to borrow.

7. Get alerts in case of online fraud

Your credit card can save you from dodgy sellers on the internet. These sellers often try to usurp money on the pretext of selling you something. Your card issuer will alert you via SMS about the card usage. You can then inform your card provider that it has been fraudulently used.

With credit cards like SuperCard by RBL bank and Bajaj Finserv, you can be a smart shopper. The SuperCard is packed with features like emergency cash withdrawal, zero-interest EMI options and lots of discounts.

What’s more, it can instantly convert your credit limit into a loan via a mobile app. Check out more features and benefits of the SuperCard and send in your credit card application today.

You can also check out exciting pre-approved offers by Bajaj Finserv. Simply enter your basic details, check out your pre-approved offer and avail instant financing for all your needs.

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