Now a days you need to have a Credit card this is because credit card offer you the best discounts and extra card offers like in Flipkart of amazon sale, they offer 5% -10% off on SBI or HDFC or ICICI Bank cards, even ICICI Amazon Pay Card where they offer 5% cash to amazon pay directly after you purchase something
Citibank is now offering some of the best ONLINE credit cards also via referral program for existing customers. Existing credit card or savings account holders of Citibank can refer their friends and family to apply for a new Citibank credit card through this program. If the referred person is issued a credit card by Citibank, the corresponding referrer would receive Rs. 2000 as the referral reward.