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HDFC Bank Platinum Times Credit Card Review 2023

Why you should use your credit card for everything

Why you should use your credit card for everything

Why you should use your credit card for everything?

Credit cards offer endless benefits to responsible credit card users. With proper use of the credit card, the credit holder can avail of several bonuses. Responsible credit card users can avail one-time bonuses, rewards, cashback, protection, etc.

Credit history can be created by:

Credit scores help you avail loans, the more you use credit cards, the higher you will build your credit score. Credit score depends on credit card history. Using a credit card in a good way can boost your credit score or even score higher.

Sign Up Bonus:

Many cards offer a number of welcome bonuses, basically, these can be availed by spending the money within a specified time frame as given by the card lender. To get this benefit, check the fine print and proceed to the benefit you are signing up bonus.

Cash Back Offer:

Many credit cards offer cashback on every purchase you make. Whenever the cardholder makes a purchase through the cashback credit card, the user will get a small amount back. Overtime these rewards add up to big bonuses.

Reward Points:

Reward Points credit cards help the cardholder to avail benefits on every spend he makes with the card. Many card lenders offer bonus points for spending on restaurants, groceries, gasoline, etc. 

When the user reaches the threshold income, these reward points will be redeemed for travel. It is endless to get reward points based on your spending habits. Rewards programs are like Point Systems, Frequent Flyer Cards, Travel Rewards and Rewards in Restaurants, Hotels, Fuel etc.

Help you track your spending:

You can create a better budget using a credit card. All your purchases will be recorded online and will be clearly provided on your credit card statement with the required information – which will help you know how much you are sending, where you are spending and when Huh.

This feature works as a boon during tax time. With all this information, you can save both money and time on your taxes. All the details will be clearly visible on the credit statement like business expenses, rental property expenses, donations etc.

Protection against fraud:

Paying by credit card will help you avoid fraudulent losses. When someone steals your debit card, all your money will be lost and you will be in debt. It will take some time to reverse a fraudulent transaction, and a bank investigation will take a long time.

But, when it comes to credit cards when the fraud tries to harm you, you are not out of money, you have to complain to the credit card company, not to pay for the fraudulent transactions, all your Money will be saved and the credit card company will solve the problem


Credit cards offer several insurance offers on rental cars, travel insurance, return protection, etc. Check out the consumer protection offers provided by credit cards, you will find many benefits that you are not aware of yet.

Universally Accepted:

A credit card is your best friend when you are traveling. Accommodation, rental car booking is very easy with credit card. Plus, you can take advantage of the convenience of spending at lower exchange rates as compared to higher exchange rates at airports when you are travelling.


Credit cards are best for those who want to pay their monthly bills on time (preferably in full). If you can use the credit card in a responsible manner, then you can get a lot of benefits from its use such as reward points, convenience, security, etc.

Also read: 10 Big Credit Card New Charges 2022

Also read: Amex Platinum New Gas Discount card



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