Credit Cards: For reasons, seasons and a lifetime of experiences!

Got your first job? Fell in love? Welcomed a baby into your expanded family? Planning a trek to the European Alps?

Credit cards can be a handy companion for life - irrespective of the stage, lifestyle or experiences you want to dive into!

Let’s run through the circle of life, and explore how a card in your wallet might make life just a bit easier, rewarding and memorable:

1. First Job

Starting a career, marks the coming of age for most youngsters. Most young adults entering the job scene already have a bank account or get one with the help of their employer. But on the other hand, most don’t have a credit card till the age of 21.

Right from gifting your parent from your first salary to enjoying TGIF nights with colleagues or even a coffee from the local Starbucks, everything becomes more rewarding with a credit card in hand.

Not to mention the credit building ability which a credit card helps with. Credit scores, which are an important component in highlighting the credit worthiness of an individual are as follows:

2. Dating/Marriage – DO WE WANT TO SPEAK ABOUT THIS AT ALL?

Gone are the days, when people used to throw a paper plane at an attractive fellow-student to gain her attention or sheepishly ask the colleague seated in the adjoining cubicle for a dinner date.

Today’s generation swipes their love matches online. Whether its online dating or matchmaking to pursuing marital bliss, there are apps galore. Most of these apps are free, but sometimes by paying a fee, you can opt for specific features that offer a better experience and features. You can always use your credit card to get significant upgrades and find your perfect match. 

3. Entertainment with your better half!

For the DINK (Double-Income No Kids), phase of your life stealing those time outs from a busy professional life, is like goldmine.

And movies or weekend dine-outs are perfect for a casual time out. Using your credit card to book movie tickets or reserve a table at your favorite restaurant in town can bring you exclusive offers and discounts.

Or maybe you prefer binge-watching the latest TV series streaming on OTT platforms, paid through your card-on-file (the card used for your subscription with the OTT), so monthly bills are taken care of. All, whilst ordering some favorite snacks through your food-tech platforms like Zomato or Swiggy through a few clicks and discounted on your credit card. Of course, you can always upgrade to a premium subscription with your credit card and enjoy benefits like additional reward points and free deliveries.

4. Baby in tow, when a Family grows

As your family expands, birthday celebrations or weekend grocery trips add in to both the mundane and the special.

Consolidating all spends into one or two credit cards not only allows you to manage your finances better but also helps in maximizing the rewards schemes which award higher spends.

And not to forget the oft-waited seasonal twice-a-year getaways, where the entire family takes a break from their respective jobs/schools/colleges. One of the most fun ways to bonding with family members and create lifetime memories is by taking a trip with them.

And all this becomes more enjoyable when you have a credit card that not only lets you make travel and hotel bookings easily, but rewards you for the travel. Not to forget the complimentary airport lounge access, on certain products which make the travel even more memorable.

5. Don’t forget the umbrella during a stormy night

Sometimes an issue or an unforeseen event can dampen the spirit and a credit card might be a handy tool to protect your loved ones. Whether it’s emergency roadside assistance for a car break-down or cash withdrawal for an emergency, most credit cards have you covered.

Some cards also provide further protection for purchase frauds, lost baggage during travel or even for more unfortunate incidents like Personal accident insurance.

So all in all, a credit card is a companion worth having in your wallet (or in today’s world, a digital avatar in your mobile) no matter what age or stage you’re floating in. In order to find a best fit for your lifestyle, explore the range of IDFC FIRST Bank instant credit card. IDFC FIRST Bank credit cards are lifetime free and come with lucrative rewards of up to 10X.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.