Now everybody knows that owning a credit card and using it responsibly is always a better option than swiping your debit card. There are number of benefits of using a card like no need to carry cash, ongoing offers on most of marketplaces, reward points, easy EMI and moreover a 30-50 day time with no interest at all. So if you are a person like me who likes to keep the salary intact till month end and uses a credit card for most of the expenses and then pays the whole amount before due date then you must know how rewarding it is. If you are not doing that, follow the article:
In this article first we would know the benefits of credit cards and then why OneCard credit card is best
CLICK HERE TO APPLY FOR OneCard Credit Card
Benefits of Using a credit card
Building Credit with Responsible Credit Card Use
Owning a credit card offers the opportunity to enhance your credit score, a crucial factor in loan approval. Credit card companies report your activity to credit bureaus, shaping your creditworthiness. By making timely payments and keeping balances low, you can gradually boost your score, paving the way for better credit options.
Earning Rewards with Credit Card Programs
Credit card rewards programs provide perks like cashback and points for purchases. Understanding program terms is key to maximizing benefits, whether it’s cashback on e-commerce platforms or points for travel expenses.
Protecting Against Fraud
Credit cards come with fraud protection, safeguarding against unauthorized charges. Regular monitoring and prompt reporting of suspicious activity enhance security, ensuring peace of mind for cardholders.
Enjoying Purchase Protection and Insurance
Many cards offer purchase protection and insurance, covering scenarios like damaged items or accidents. Understanding policy terms and filing claims promptly are essential for leveraging these benefits.
Here are few links from where you can easily apply for your preferred credit card and Its safe
Extending Warranty Coverage
Credit cards often extend warranty coverage on purchases, providing added protection beyond manufacturer warranties. This can be invaluable for high-value items, saving on repair or replacement costs.
Unlocking Travel Benefits
Travel credit cards offer perks like travel insurance, lounge access, and discounts on flights and hotels. Frequent travelers can accumulate points for rewards, making these cards ideal for exploring new destinations.
Emergency Assistance
Credit cards provide emergency assistance, offering support in situations like lost or stolen cards while traveling. Access to customer service ensures quick resolution, providing peace of mind for cardholders.
Effective Budget Management
Using a credit card for expenses and tracking spending helps in budget management. Reviewing statements and setting spending limits can improve financial awareness and control.
Improving Cash Flow
Credit cards improve cash flow by providing flexibility in payment timing and offering rewards to offset expenses. Introductory interest rates and balance transfer options further enhance financial flexibility.
Convenience and Flexibility
Credit cards offer convenience and flexibility, allowing for cashless transactions anytime, anywhere. They serve as a safety net for emergency expenses and unexpected bills, enhancing financial flexibility.
Bottom Line
While credit cards offer numerous benefits, they also entail risks like high-interest rates and potential debt accumulation. Practicing responsible credit habits, such as timely payments and avoiding unnecessary expenses, is crucial for maximizing benefits and avoiding pitfalls. By using credit cards wisely, users can build credit, earn rewards, and safeguard their finances effectively.
Which Credit Card to buy
Now you must be wondering which credit card to buy as every bank and NBFC is offering their cards and you are so confused. Marketplaces also offer different discounts on different cards. So do you have to own all cards. The answer is no because now you can get OneCard which is a cobranded card and has offers mostly from every e commerce platform. Here are a few reasons why you should go for One Card.
The first reason is
- No Hidden Fees Ever.
- No Joining Fees.
- No Annual Fees.
- No Rewards Redemption Fees.
The second reason is
Powerful mobile app
Control all aspects of your co-branded credit card from the powerful One Credit Card app – transaction limit, domestic/international use, online/offline use, contactless payments and much more.
The third reason is
It’s metal
A co-branded credit card that is exclusive, and exquisitely crafted with metal, because you deserve only the best. Why settle for plastic cards anymore?
This card is becoming status symbol, because its design is so premium that it feels only top class get these kind of things
The fourth reason is
Seamless on-boarding
Get started using a completely digital on-boarding process, and activate your One Credit Card App in less than 5 minutes. CLICK HERE TO APPLY
The fifth reason is
5X rewards on your top spends
5X rewards on Top 2 spend categories. Points are credited instantly and never expire. Just swipe right to redeem. No more rounding off, get even fractional points.
The sixth reason is
One Credit Card EMI
Shop in full, pay in parts. No calls, no emails, no documentation. Get points on EMI transactions, repay EMIs with reward points. Manage EMIs from the EMI Dashboard.
The seventh reason is
MyFamily
Share limit with your family. They get their own co-branded One Credit Card with separate offers while you keep track and control of their spending.
CLICK HERE TO APPLY FOR OneCard Credit Card
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Disclaimer: You are advised to use Credit cards responsibly and always spend within you means. the links provided in this article are affiliate links..