Summer is here and you want to beat the heat with cool plans with your family and friends. Whether you are one arranging for it or just tagging along, credit card offers can come in handy to help you save while still having fun. There are so many ways that people can use their credit cards for things like entertainment, travel, shopping and more.
Here we will be listing out the various uses and the best credit card offers by the most popular credit card provider in Dubai. But before we do so, let’s look at some of the basics of credit cards and also understand the best practices to follow when it comes to credit card offers and purchases. What is a Credit Card A credit card is a type of revolving loan that allows you to borrow money against the value of your credit line. It is called a revolving loan because it is a revolving line of credit — you can keep borrowing and repaying the amount, and the terms are always the same. In order to get a credit card, you will have to apply for one and be approved by the issuing bank whether it is a bank card or a card from a credit card company. You will then be given a credit limit based on your creditworthiness, along with interest rates and other associated costs. You can charge up to the amount of credit on your card. This amount is known as your credit card balance. In addition to the loan amount, credit card offers are also one of the attractive reasons to get a credit card in Dubai. How to Use Credit Card Offers Credit card offers are great and plentiful with a wide variety of merchants. You should definitely make the most of them! The best way to use the credit card offers is by signing up for a cash back credit card. There are many credit cards that give you cash back or redeemable points for every expense that you make. You can use your credit card to pay for things like groceries, gas, dining etc and as per your bill a corresponding point or cashback will be credited in your account. Now with the basics of credit card clear, let’s explore what are the credit card offers that can help have a fun summer outing! Using your Credit Card for Travel If you travel a lot, you should definitely use your credit card to pay for travel. You can use the miles on your credit card to book flights, hotels, and rental cars. The best credit cards in Dubai offer deals with travel merchants of the likes of British Airways, Discover Jordan, and Ghorayeb travels. You can get a discount on your billings anywhere between 10 to 20 per cent with them. As you fly or take a road trip to your destination, why not go to destinations within your credit card offers: Razn Retreats, Safari Village Hotel, Dolphin Village Club, Avani Muscat Hotel, Fifty One East, etc. Using your Credit Card for Shopping If you want to shop and get cash back at the same time, look out for credit card offers. You can use your credit card to shop at online or brick-and-mortar stores where for every purchase you not only get points but also discounts like no other. For example, if you shop for accessories, you can get deals with L’Optique Specialiste, Oud Elite, Clarks Store, etc. If the summer has you in the mood of redoing your house interiors, then you’re in luck with credit card offers. You can get up to 15 per cent off with furniture and art pieces stores like Danube Home, The Luxx Art, IDDESIGN, Kare and more. Using your credit card for dining Out in the hot summer of Dubai shopping will definitely leave you hungry. Avail your credit card offers to pay for your meals when you dine out. It will not only give you discounts and cashback but will also add to your depository of points which can be redeemed in future purchases. With the best credit card in UAE, you will get exclusive and delicious deals with popular restaurants and fast food chains like Streat Restaurant, Gelato Divino, Ruby Passion For Meat Restaurant, Noor Lounge etc. You can also get rebates up to 15 per cent with luxury eateries like La Pergola, Al Waha, Royal Thai, Burlington Club, etc. With all these offers to avail in a summer outing, you may be tempted to splurge with your credit card, however, you need to keep in mind that all the money that you spend (minus all the credit card offers and discounts) need to repaid within the stipulated time to avoid any interests on the loaned amount. Best Practices When Using Credit Cards Pay off your Credit Card Balance: When you use your credit card, you must pay off your balance every month. If you don't, you will be charged high interest, and it can be very expensive. Use Credit Cards for Big Purchases: Credit cards are best for big purchases like a home appliances and car if possible. You can use a credit card for these purchases because it will help you build your credit score. Keep an eye on credit history: Keep checking credit bills every month to check for any discrepancies. If left unaddressed, these can bring down your credit score. Final words Credit cards are an asset, not a liability, so it is important to use them wisely. Similarly treat credit cards offers as a gift that comes with the expectation of return gift which in this case is repayment of whatever you loaned using your credit card. With all these in mind, hope you make the most of your credit cards offers this summer!
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