If you going to get credit card as suggested by davelkh, then you can choose Alliance Bank You:Nique card, there are 3 types and go for the Rates. Instead of the conventional effective rate of 18% P.A., it is 9% which lower than the fixed rate of 6.88%.

By having the credit card, you can pay for family expenses and slowly pay back with the 9% effective rate. Must pay minimum payment every month, otherwise will get penalty.