5 Credit Card Habits Every Indian Needs for Smarter Spending

• Choose a credit card that aligns with your lifestyle to maximize rewards, such as travel, online shopping, or fuel benefits.
• Maintain a credit utilization ratio under 30% of your limit to positively impact your credit score; consider spreading spending across multiple cards if necessary.
• Always pay the full credit card bill on time to avoid high interest charges and prevent long-term debt accumulation.
• Actively monitor bank offers, cashback deals, and reward points, redeeming them before expiration to save money and maximize benefits.
• Utilize EMIs and card features judiciously, comparing interest rates and opting for no-cost EMIs when available, and regularly review statements for security.

Why It Matters: Mastering credit card use helps Indians save money and build credit.