The festival of Diwali is approaching, and people are getting ready for their shopping. At this time, many people are planning to buy new items, clothes, and gifts for their homes. But did you know that you can save a lot of money on your Diwali shopping? Using a credit card for Diwali shopping, you can not only buy your favorite goods but also enjoy a variety of benefits. Today we will tell you how you can save on Diwali shopping and make your purchases even more beneficial through credit cards.
Advantages of a credit card
There are many benefits to using a credit card. First of all, you can get cashback. Many banks are giving special offers on their credit cards on the occasion of Diwali. For example, some banks are offering cashback ranging from 5% to 10% during Diwali. Apart from this, you can also earn reward points, which you can use on any other purchase later. Many cards give you 2-4 reward points for every Rs 100 purchase.
Benefits of no-cost EMI
If you want to buy a big item like a TV, fridge, or washing machine, then you can take advantage of no-cost EMI with a credit card. With this, you can pay for your purchase in several installments, that too without any additional charges. For example, if you buy an item worth Rs 30,000, you can split it into 6-month EMIs and pay just Rs 5,000 every month.
Many credit cards offer special discounts on online purchases. If you shop from websites like Amazon, Flipkart, or Myntra, you can take advantage of these discounts. Some cards even offer up to 5% cashback on online purchases. This means if you purchase Rs 10,000, you can get a cashback of Rs 500.
Under the Credit Card Diwali Offer, many banks come up with special offers on their credit cards. These offers can help you save more. Some banks offer double reward points or extra cashback during Diwali. For example, some banks are offering an extra cashback of up to Rs 2000 on their credit cards during Diwali.
Choosing the right credit card gives each credit card different benefits. Therefore, you must choose the right credit card according to your needs. If you mostly shop online, you should choose a card that offers more cashback on online purchases. At the same time, if you do most of the offline shopping, then you should choose a card that gives good offers in retail stores.
Be careful with credit cards
When you talk about Diwali shopping, it is important to keep a few things in mind. First of all, do not spend more than your budget. Remember, you will have to pay back the money spent on the credit card. Also, always pay your credit card bill on time so that you don’t incur any penalty. Many people spend more on credit cards and then have trouble paying the bill.
If you use your credit card properly and pay the bills on time, it can also improve your credit score. A good credit score can help you get a loan in the future. For example, if your credit score is above 750, you can easily get a home loan or a car loan, that too at a lower interest rate.
Finally, remember that a credit card can be a good financial tool if used correctly. By using credit cards wisely during Diwali shopping, you can not only save money but also buy your favorite items. This Diwali, make your purchases even more special with a credit card and get a lot of benefits!
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