We always use credit card. There are some advantages of credit card. At the same time you need be careful while using it to avoid any penalty. If you will not pay your bill in time then they will charge you with great interest. This is the main disadvantage of credit card. Many people will fall in this condition due not paying amount in time.
1) Urgent purchase without cash
2) Bill payment on online purchase.
3) Discounts on specific products.
4) EMI facility without interest on specific products.
5) Credit card point collection.
Now we come to redeem your points. It’s easy on almost every credit card. I will tell you for HDFC bank. It’s almost similar for other banks also.