‘Tis the time to be merry, as the festive season is upon us. In India, it’s time to celebrate with a plethora of festive gifts, lavish parties, new fashions, and glittering jewellery. As the malls and e-commerce stores put on their best festive outfits, one familiar face pops up from your wallet: your credit card. It’s the time when the power of plastic comes to life, so you can shop effortlessly. But wait, there’s more to your credit cards! They reveal a number of festival deals and discounts that promise to make your celebration easier on your wallet.

Perks of Using Credit Cards for Shopping:

Picture yourself sitting on your couch, scrolling through your favourite online stores, armed with your credit card, that’s your ticket to exclusive deals and rewards. Not only that, but it might also unlock more savings through exclusive bank partnerships, making your shopping cart a one-stop-shop for discounts.

Here’s the beauty of it all: as you shop, your money stays in your savings account, slowly building up interest. And when it’s time to tackle those huge festive expenses, you’ll have the power to spread them out with tempting EMI options. With a credit card in your pocket, you can splurge now, pay later!

But there’s more to it than that: enter the world of reward points. They are gradually accumulated over time as you purchase items and can be redeemed for a variety of rewards. Whether you’re looking for retail bargains, jetting off on vacation, or even earning some cashback, you cannot go wrong with a credit card.

Benefits of Using a Credit Card Right:

Great Offers and Deals: The festive season is the perfect time to stock up on the essentials and indulge in the finer things in life. Shop in-store or online for a plethora of deals and offers. Credit card holders are in for a treat with almost every brand on the market offering cashback surprises. Instant cart-value discounts are a thing of the past as shoppers click their way to savings. Want a new gadget? E-retailers have your back with amazing exchange and cashback offers.

Maximize Reward Points on Each Purchase: Credit card rewards are the ultimate secret weapon to supercharge savings. Have you ever heard of a reward card? They’re your wallet’s best friend. Reward cards offer up to 2X to 5X more reward points than the average credit card. And the fun doesn’t end there – they can turn into brand vouchers or even help you pay for what you buy. The key? Pay attention to your points. You’ll be slashing bills, scoring vouchers or even getting cashback in the blink of an eye.

Avail EMI Options: Are you looking to make that big purchase? Welcome to the world of zero interest EMI. Unlike traditional EMI with the hidden interest charges, zero interest EMI lets you pay without the hassle. It’s your ticket to free high-value shopping guilt-free. Are you ready to make your dreams a reality?

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Best Practices for Using a Credit Card:

  • Make it a habit to check your credit card statement regularly. If something suspicious appears, don’t wait – report it right away to your bank. Protect your financial safety net!
  • Life’s full of ups and downs, and so are your finances. Don’t worry if you can’t pay the entire bill – just pay the minimum balance. It’s the only way to protect your credit score. Pay as little as you can now and when the tide goes out, pay the balance. Your credit score will thank you.
  • Be mindful of your credit limits and spend what you can afford. It’s recommended to spend no more than 70% of your credit limit, as this provides you with a cushion in case of an emergency.
  • Even though credit cards allow you to withdraw cash, don’t use this method unless it’s an emergency. You’ll pay a lot of interest on cash withdrawals against credit cards, which is counterproductive.
  • If you have more than 2 credit cards, try to avoid spending on all of them. This gives you the flexibility to buy whatever you want but remember that each card will have a different credit cycle and you may be paying to carry debt that needs to be paid at the same time.
  • Here’s a smart shopping tip for the holiday season: sync your purchases to the start of your credit card cycle. It’s like extending your holiday shopping window by 30 days. Just make sure you pay your bills in a timely manner to avoid late charges and interest charges.

RBL Bank Credit Cards for shopping

RBL Bank provides a wide range of Credit Cards with a variety of features and benefits. One of the most popular cards is the ShopRite Credit Card, which provides 20 Reward Points for every Rs. 100 spent on grocery purchases. Additionally, the Platinum Maxima Plus Credit Card offered by RBL Bank is an excellent choice for those looking to maximize their rewards. This card provides 10 Reward Points for every Rs. 100 spent on dining, entertainment, groceries, and international purchases. Furthermore, customers can take advantage of discounts of up to 30% across various categories, such as groceries, shopping, travel, food, entertainment, health, and wellness. These purchases also add reward points to your card that can be redeemed later. To know more, visit RBL Bank Credit Card Offers.