Credit Card Tips: According to the latest RBI data, credit card expenses in India have reached record level in July 2025. In such a situation, the trend of keeping two cards is increasing. This gives more benefits and safety transactions.
Two credit card benefits: Do you also have two credit cards? Or is it ever thought that keeping two credit cards instead of one is beneficial or harmful? Actually, the use of credit cards in the country is increasing rapidly. According to the latest RBI data, the credit card spending increased by 6% to Rs 1.93 lakh crore in July 2025, which was 1.83 lakh crore in June 2025. This expenditure is about 12% higher than July 2024 last year. Given the growing trend, the biggest question arises whether it is right to keep two credit cards? Let’s know 5 benefits of which most people are unknown …
5 big benefits of keeping two credit cards
1. Better use of reward points
Each card offers offers in different categories. Make grocery and bill payment with a card, where cashback is received. Keep the second card online shopping, travel and hotel booking. In this way you can earn maximum reward and cashback from both cards.
2. Improvement in credit score
Two cards increase your credit limit and reduce credit utilization ratio. You can easily strengthen the credit score by paying on time. This will benefit you by taking loans in future.
3. More Flexibility and Backup
If one card is blocked or declin, the other card is useful. It is easy to manage cash flow due to different billing cycles. That is, you will always have financial backup.
4. Different lifestyle benefits
Airport lounge access from one card, dining discount from another. Travel insurance from one, Hotel Loyalty Benefits from the other. With two cards you can get more value and exclusive offers.
5. Control on security and expenditure
One card should be kept for everyday expenses and a second card for high-value-online transaction. This reduces the risk of fraud and provides better control on expenses.
What should be kept in mind with more than one credit card?
- More cards can increase the debt burden.
- Late payment or high interest can spoil your budget.
- Always check the hidden charge and annual fees.
- Before taking a new card, please consult a financial advisor.
Frequently asked questions (FAQs)
Is it right to keep two credit cards?
Yes, if you use wisely, it can be beneficial to keep two credit cards.
Does two cards do credit scores better?
Yes, your credit score may improve as the limit increases, provided you pay on time.
Which credit card should be kept for everyday expenses?
It is better to keep a second card for daily expenses with low limit and easy payment and for high-value transactions.
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