credit card can buy things with zero interest installment

affin duo reload e wallet got 3% cashback

a lot campaigns to earn this and that, depend on what card you get and how many.

low utilization and good payment record can help build ur credit score, like ccris

most important is serve as a source of emergency money

reward points.

also increase credit score if u are good paymaster. all those e wallets won't do that.

and you have access to 0% EPP (installment plan) that were exclusive on credit cards.

When u go outstation, the most basic thing u need is cc. Dun ever go outstation without a cc.

If you don't use credit card, bank will reject all your loans.