Yes, it is indeed good to have a credit card if you judiciously use it. Following benefits will help you understand why you should have a credit card. 

  • Helps you deal with financial emergencies
  • Discounts and offers on dining and shopping
  • Cashback can save you a good amount every month
  • Make big purchases and convert them to EMI
  • Interest free period for up to 55 days
  • Helps you build a good credit score and strong credit history
  • A credit card is a good financial tool when you can use it in the right way.