5 Smart Credit Card Strategies Every Indian Should Know

• Credit card usage is rising in India; smart strategies are crucial for financial health and avoiding debt.
• Select credit cards based on spending habits (e.g., travel, cashback, fuel) to maximize rewards and avoid annual fees.
• Actively track and redeem reward points and bank offers to prevent expiration and fully utilize benefits.
• Maintain a low credit utilization ratio (ideally below 30%) to improve your credit score and financial standing.
• Always pay the full credit card balance on time to avoid interest accumulation; use EMIs and features wisely after checking all charges.

Why It Matters: Master credit card use to strengthen finances and prevent debt traps.