How can I use a credit card?

You can use a credit card for online and offline purchases up to your assigned credit limit. For offline payments, swipe or dip your card at a Point of Sale (POS) terminal and enter your secure PIN. For online transactions, enter your card details and the One-Time Password (OTP) sent to your registered mobile number. According to RBI guidelines, it is essential to pay at least the minimum amount due by the deadline, though paying the full balance monthly helps avoid high interest charges.