I have been using Credit Card from 2019 and trust me the benefits of using the Credit Card is huge if yoy use it sensibly. If you are a big spender then I would suggest you to use Credit Card but only spend that amount which you have in your bank account.
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For example, I have bought a Washing Machine recently and thus used the Credit Card. Using Credit Card I have got the additional discount of Rs 1K and also got like 1000 points which is equal to Rs 500 dining voucher. And thus I have used that Rs 500 to have dinner. So it's a free dinner for me.
My credit card basically gives the best rate for the dinning voucher and thus I use to have free dinner. Now different Credit card gives different better things. Like one of my credit card only gives the cash reward which is Rs 250 for 1000 points and thus I use that to get the money in my credit card. And then there is a Rupay Credit Card which I used the most. This is because most of my household and groceries payment is done using the UPI.
I also used my Credit card UPI for payment of my daughter fees and thus I got the rewards. And that's a actually the benefit of using the Credit Card. I know people get into credit card debt, but if you use it diligently then you can easily get upto 5% discount back. And some big spender can easily get upto 10% return back if they use the correct card at the correct purchase.
So yeah I have been using the Credit Card from last 5 years and never defaulted any payment and got a lot of rewards back. So if you are hesitant of using the Credit Card then you can do something like these. Buy from Credit Card and pay the same amount at the same time so that you don't get into the cycle and you can still mint the rewards.
