Cashless Convenience: Credit cards serve as an ideal alternative to carrying large sums of cash, offering safety and ease in transactions.

Interest-Free Window: Depending on the billing cycle, cardholders can enjoy an interest-free period, usually ranging between 45 and 55 days.

Cash Advance Facility: Credit cardholders can access cash in emergencies, though interest is charged from day one on the cash advance portion.

Rewards and Bonuses: Credit cards come with numerous benefits, including reward points, gift vouchers, cashback offers, and bonus programs.

Add-On Cards: Cardholders can apply for supplementary cards for family members, enabling individual use.

Travel Benefits: Certain credit cards provide travel-related benefits such as air miles, lounge access, hotel discounts, and travel insurance.

Lifestyle Perks: Many cards come with dining, shopping, entertainment, and wellness benefits.

Fuel Surcharge Waivers: Some banks offer fuel surcharge waivers as an added benefit for cardholders.

Credit Score Improvement: Responsible use of a credit card can contribute to improving an individual’s credit history.

International Use: International credit cards allow payments in foreign currencies and cash withdrawals when abroad.

Insurance Coverage: Many credit cards offer general insurance coverage, such as lost card liability, to protect cardholders from unauthorized transactions.

Balance Transfer Options: Banks often provide balance transfer facilities, allowing cardholders to transfer outstanding balances from existing cards at a lower interest rate.