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As modern India moves to digitalization, being financially aware has become one of the most important aspects of everyone’s lives. Post pandemic, the spending methods of Indians have changed drastically. People are moving from paying through cash to using plastic cards and digital payments — mainly UPI payments. But as many parts of India faces serious connectivity issues, it’s always preferable to use cards for UPI payments.

 

Today, almost everyone carries a credit card with them. No one gives a second thought before using a credit card. A few years ago, the situation was not the same, as very few people used to carry a credit card. But with the increase in living standards, the spending pattern of Indians has changed. It has become common for people to have more than one credit card, and there are various reasons for it. The advantages of credit cards are too many to ignore. Whether it’s paying your utility bill, getting a luxurious item, recharging your mobile, paying your rent, buying groceries,  or booking a flight, paying through credit card has become the preferred mode of payment.

 

However, there is always that pertinent question lingering in our minds, before we use a credit card — if paying via credit card is a wise choice. There are experts who believe that using a credit card can land us in debt. Nevertheless, contrary to this belief, we will provide some advantages of credit cards which will evince that if a credit card is used responsibly, it can act as a boon for everyone.

 

Let us examine the advantages of one of the best credit cards in India, the Bajaj Finserv RBL Bank SuperCard.

 

Interest-free cash withdrawal

 

One of the major benefits of using this Bajaj Finserv credit card is its interest-free cash withdrawal feature from an ATM for up to 50 days. This comes in handy when we fall short on cash, and have an urgent need for liquid cash.

 

Loan card

 

Another benefit of using a Bajaj Finserv credit card is one of the best credit cards in India that you can use your credit card as a loan card during any emergency. If there is an unused credit limit on your card, you can convert it into a personal loan, availing loan for 90 days, with a nominal interest rate of just 1.16% per month. And if you are not able to pay the amount all at once, you can also choose to pay it in 3 easy EMIs.

 

Offers and discounts

 

Bajaj Finserv provides various offers and discounts to their cardholders. When you use your credit card for any transactions like payments, bookings, EMI purchases,s, etc. at any of the Bajaj Finserv EMI Network partner stores, these benefits can be availed.

 

Welcome bonus

 

A welcome bonus is always attractive for any avid user of a credit card. Bajaj Finserv is one of those very few institutions that give welcome bonuses in form of reward points. The reward points can range from 2,000 to 20,000 points. This offer is available for Bajaj Finserv RBL Bank SuperCard.

 

Travel benefits

 

This offer is a bonanza for frequent flyers. Bajaj Finserv credit card offers special travel benefits like complimentary access to airport lounges. If you have a Bajaj Finserv credit card, you don’t have to worry if your flight gets delayed.

 

EMI advantage

 

Planning to buy an expensive gadget or a luxurious gift for your loved one, but your budget is not allowing you to do so? The budget won’t be a constraint for you if you have a Bajaj Finserv credit card. Acting as an EMI Card, the SuperCard allows you to pay for big-ticket items on EMIs.

 

Reward points and milestone bonuses

 

Bajaj Finserv credit card offers reward points and milestone bonuses with every online or offline purchase. If you are a frequent shopper, your next clothing might be free, as you can redeem the reward points and annual spending milestone bonuses that you earn for your purchases.

 

Security

 

With cyber threats being one of the major concerns of today’s millennials, Bajaj Finserv Credit Card comes with security features like ‘In-hand security’ and ‘zero-fraud liability’ cover so that you can use your credit card without any stress.

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