EXPERT VIEW

Credit card is only a borrowing medium; it should not be used for revolving credit at all. Gaurav Mashruwala, Certified financial planner, Mumbai

When choosing a credit card for its rewards programme, make sure it is relevant to your lifestyle and needs; there is no point opting for a premium card that offers golfing club privileges if you do not play golf. Ranjit Punja, CEO & Co-founder, CreditMantri