A couple of years back; it was a difficult task to convince me to take a credit card as I hated the word credit as much as I did the card. It was a credit card which has the most basic things like taking credit on monthly basis while spending and getting some discounts off. After using the card for six months, I realized that even with these simple discounts, I was saving Rs 2000/- from my monthly bills. Today, I have two cards.

The recent one I took was Fortune Gold Card by Kotak Mahindra. This newly launched card was offering all those benefits which I required the most like interest free cash withdrawals, zero charge EMI, fuel surcharge waiver and 0% balance transfer ? good for my business and business trips.

Apart from this I was getting special offer on Tally9, cash back on railway and flight reservations and offs for calling cabs from car club India. All these were something I had always been looking for and it did bring a lot of difference. Today, I am saving a lot in terms of my traveling and staying outdoors spending ? around Rs3, 000 per month ? good enough to buy a Playstation, a new dress and a necklace for my nest trip home. Thankfully, I am not too late in making savings on monthly bills.

Today's are a change in themselves. They bring a host of facilities in the form of discounts, bill payment facilities, home delivery of gifts, flowers, chocolates, dinning table booking and so on. They bring a host of facilities which were not there before. They put us at ease with the best deals conferred on us from time to time. So, If You Don't Have A Credit Card Till Now, Get One Today And Enjoy The Benefits Of Having A Credit Card?