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Credit cards can be very helpful if used carefully, providing many benefits for managing money, making payments easily, and keeping your purchases safe. Here are some key advantages of using a credit card:

Credit cards can be really useful if used wisely, offering many benefits. One of the main advantages is convenience. With a credit card, you can make instant purchases without needing cash, whether in stores or online. Since credit cards are accepted almost everywhere, they’re especially helpful when traveling or making international payments.

Another benefit of using a credit card is building your credit score.  When you use your card responsibly, like paying your bill on time, it helps improve your credit score. This score is important if you want to get a loan or rent an apartment in the future, as it shows lenders that you can handle debt well.

Many credit cards offer rewards and cashback on purchases. You can earn a percentage back on what you spend or accumulate reward points. These points can later be redeemed for discounts, gift cards, or even travel miles, giving you something extra for every purchase you make.

Credit cards also give you an interest-free period if you pay off your full balance each month. This means you can borrow money for short periods without having to pay any interest, which can save you money.

In terms of purchase protection, credit cards come with security features like fraud protection. If someone misuses your card or it’s stolen, you’re usually not held responsible for those charges. Some credit cards even offer purchase insurance, covering items that get damaged or stolen after you buy them.

Credit cards can also act as emergency funds. If you face unexpected expenses and don’t have cash on hand, your credit card can help you cover those costs right away.

When it comes to travel, credit cards are very useful. They allow you to make payments in different currencies without needing to exchange a lot of money upfront. Some cards also offer travel insurance, car rental coverage, and discounts on flights or hotels.

Lastly, credit cards are great for keeping track of your spending. They provide detailed monthly statements, which can help you manage your budget and understand where your money is going.

In conclusion, credit cards are a helpful financial tool when used responsibly. They offer convenience, rewards, and security while helping build your credit score. However, it’s important to pay off your balance on time and avoid overspending to stay out of debt and avoid high interest charges.

Nowadays, some Credit Cards offer great benefits for shopping and earning Cashback.

Tata Neu Infinity HDFC Bank Credit Card

– 5% back as Neu Coins on non-EMI purchases on Tata Neu and partner Tata brands. For the list of eligible partner brands, click here.

– 1.5% back as Neu Coins on non-Tata brand purchases and Merchant EMI spends.

– 1.5% back as Neu Coins on UPI spends (including Tata brand purchases), up to a maximum of 500 NeuCoins per month.

– From 1st August 2024, earn up to 1.5% back as Neu Coins on eligible UPI spends:
– Earn 0.50% back as Neu Coins on eligible UPI transactions (including Tata brands), credited to your card account by the Bank.
– Earn an additional 1% back as Neu Coins on UPI payments using the Tata Neu UPI ID, directly added to your Tata Neu account.

– Total Neu Coins earned through UPI payments are capped at 500 Neu Coins per month.

– Earn an additional 5% back as Neu Coins on selected categories through the Tata Neu app/website after downloading the Tata Neu app and registering for Tata Neu Pass.

Here’s a shortened version of the information:

Domestic Lounge Access (VISA / RuPay)

Enjoy 8 free domestic lounge visits per year (2 per quarter) with a ₹2 charge per visit. Updated lounge list available from 15 May 2023.

International Lounge Access (VISA Card)

Get 4 free international lounge visits annually (1 per quarter) via Priority Pass. Extra visits cost $27 + GST per person. Indian visits incur charges. For lounge details, visit. www.prioritypass.com

International Lounge Access (RuPay Card)
Receive 4 free international lounge visits annually (1 per quarter), with a refundable $3.25 transaction fee.

Fuel Surcharge Waiver
1% waiver on fuel surcharges for transactions between ₹400-₹5,000, up to ₹500 per statement cycle.

Welcome Benefit
Earn 1,499 Neu Coins on Tata Neu app with your first transaction within 30 days. Coins are valid for 365 days.

Renewal Offer
Spend ₹3,00,000 in a year to waive the renewal fee.

Contactless Payment
Make fast, secure payments up to ₹5,000 without entering your PIN for transactions in India.

Insurance Benefits
Includes ₹1 crore air accident cover, ₹15 lakh emergency hospitalization cover, and ₹9 lakh lost card liability cover.

For Apply Click here

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