In fact, according to Credit Sudhaar—a credit advisory—on average, a credit card user in India has 2.2 credit cards. Some of these cards are designed to cater to users who prefer to use their credit cards for spends in specific categories. Such credit cards include travel or airline cards, which give rewards points for travel or airline bookings. This is where you need to strategize if you are using multiple credit cards. Credit cards should now be used only when you have a temporary cash issue and need to make a payment instantly.

Source: Mint January 24, 2018 12:00 UTC