Credit cards offer a range of benefits if used wisely. Here's a breakdown of the key advantages: 1. Convenience & Flexibility. Cashless transactions: Easy to use for online and in-store purchases. Global acceptance: Widely accepted across countries and merchants. 2. Buy Now, Pay Later. You can delay payment until the due date without interest if paid in full (usually 30–50 days of credit). 3. Rewards & Cashback Earn reward points, cashback, or air miles on purchases. Points can be redeemed for gifts, discounts, or travel. 4. EMI (Equated Monthly Installments) Convert large purchases into monthly payments with low or no interest. 5. Credit Score Building. Timely repayment improves your credit score, which helps in getting loans and better credit offers. 6. Safety & Fraud Protection Most cards offer zero liability on fraudulent transactions if reported promptly. Instant blocking options and fraud alerts. 7. Offers & Discounts Exclusive deals on travel, dining, shopping, and entertainment. Pre-approved offers for existing customers. 8. Travel Benefits. Free airport lounge access, travel insurance, hotel deals. Some cards offer international transaction fee waivers. 9. Emergency Funds. Access to instant credit in case of emergency without needing bank approval. 10. Bill Payments & Auto-debits Set up auto-pay for utility bills, subscriptions, and insurance. N.B. You can also take benefits of credit card. STAY TUNED...