Diwali Shopping Savings:
Diwali is not just a festival of lights but also a time for shopping. From clothes and gold jewellery to home items and gadgets, families across India make big purchases during this festive season. With online platforms and malls offering various deals, choosing the right payment method can help you save more.

Diwali Shopping Savings:
Debit Cards:

Debit cards are simple and safe for those who want to spend only what they have. They directly deduct money from your bank account, which helps in managing your budget and avoiding debt. There are no interest charges, making them ideal for daily or small purchases. Some banks like SBI, Axis, and RBL offer up to 10% instant discounts on online shopping using debit cards. However, debit cards usually have limited cashback and rewards compared to credit cards.

Credit Cards:

Credit cards are perfect for those who wish to enjoy festive deals and repay later. They allow you to borrow within a limit and often come with rewards, cashback, and EMI options. During Diwali, banks like HDFC, SBI, and Kotak offer 10% cashback or instant discounts on electronics, home appliances, and fashion. Credit cards also provide reward points and the option to convert big purchases into easy EMIs. However, you should pay bills on time to avoid interest charges.

UPI Payments:

UPI (Unified Payments Interface) has made instant transactions easier. Apps like BHIM, Google Pay, and PhonePe are widely accepted for both online and offline shopping. UPI payments are convenient, quick, and free of interest. Some apps also offer festive cashback and rewards, but they are usually lower than credit card benefits.

If you want maximum savings and cashback, credit cards are the best choice this Diwali. For budget control, use debit cards. For quick and easy small payments, UPI is most convenient. Choose wisely and enjoy a smart, budget-friendly Diwali shopping experience!

ALSO READ: Niharika NM Net Worth 2025: How Rich Is Mithra Mandali Actress?

Share

• 
• 
• 
• 
• 
•