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0 An ideal credit card helps you build a strong credit profile. It adds convenience to your daily life while allowing you to earn rewards and points on your daily spending. Over time, these rewards will lead to substantial savings and benefits.
Credit cards can be beneficial for grocery shopping, fuelling up, online purchases, and more. Here are the benefits of using credit cards for your daily purchases:
- Convenience
These cards are a flexible payment method. You can use them online and offline. With a simple swipe or tap, you can pay for everything.
- Rewards Programs
These cards give you rewards like cashback, points, and more, turning your daily expenses into savings over time.
- Building Credit History
You can build a good credit profile by frequently using your cards and paying off the balance on time.
- Tracking Expenses
Credit cards offer a detailed transaction record, allowing you to manage your spending. Monthly statements categorise purchases, helping you budget and identify overspending.
- Emergency Access to Funds
Most cards offer an interest-free period if you pay the balance on time. It gives you the flexibility to make purchases and can help manage cash flow.
- Purchase Protection
Credit card companies often have policies to dispute the charge if you buy a product that is defective or not delivered. It is called purchase protection. This feature offers you a refund, thus adding security for online shopping.
- Global Acceptance
Credit cards are ideal for travel due to their global acceptance. They eliminate currency exchange for bookings and often offer perks like travel insurance and airport lounge access.
Do check the foreign transaction fee that is added to your balance in such cases to make judicious use of your card.
- Budget Flexibility with EMIs
Many credit cards allow you to convert large purchases into monthly instalments (EMIs). This feature can be beneficial for purchasing electronics, furniture, and other big-ticket items.
Make sure you understand the interest charges, if any, for this facility, so you can plan repayment better.
- Travel Benefits
In addition to travel insurance, some credit cards provide rewards for travel-related expenses, including discounts on hotels, flights, and car rentals, making your trips more budget-friendly. - Additional Cardholder Benefits
Many credit cards allow you to add authorised users at no extra cost, letting family members enjoy the benefits while you maintain control over the account. - Introductory Offers
Numerous credit cards feature attractive introductory offers, such as bonus points, cashback, or zero-interest periods for new cardholders, delivering immediate value.
Many issuers provide credit cards to simplify your daily expenses, but the One Credit Card stands out. Whether paying rent or covering travel costs, it makes your life easier with valuable rewards.
For example, the credit card online app’s built-in Forex Calculator ensures you can calculate your international travel smoothly. You can enjoy up to 2% value back when dining out, and get a wide range of discounts everyday purchases, including grocery shopping, travel booking, buying electronics and more. Plus, its 5X reward points feature maximises your benefits in your top two spending categories.
Apply now and experience effortless payments and rewards with the One Credit Card—your perfect companion for every day!
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