In today’s fast-paced, digitally-driven economy, credit cards have become more than just plastic rectangles in our wallets — they’re gateways to convenience, financial flexibility, and a world full of exclusive rewards. Whether you’re shopping online, booking travel, managing monthly bills, or building a strong credit history, a credit card is your trusted financial ally.This comprehensive guide explores everything you need to know about credit cards in India — from their features and benefits to how you can apply, use them wisely, and maximize rewards.A credit card is a financial tool that allows users to borrow money from a bank or financial institution up to a predefined limit for purchases, bill payments, or cash withdrawals. You can repay this borrowed amount either in full by the due date or over time with interest.In return, cardholders are offered incentives like cashback, air miles, reward points, and exclusive offers, making credit cards both a borrowing and savings tool.