Credit Card: Times have changed a lot as compared to earlier, where earlier only adults had mobile phones, now even small children are using them. The change is not limited only to mobile phones, but now even Gen Z in the country is increasingly using credit cards. Whereas earlier the use of credit cards was limited only to the people of big cities, now the youth of small towns are also using it.

What’s in the report?

According to the report, today’s youth are using credit cards and other loan products more rapidly. Also, within just 3 months of getting their first credit card, about 28 percent of Gen Z customers had an outstanding balance of more than Rs 25,000. Not only this, but 69 percent of Gen-Z even took a second credit product within a year of getting their first credit card. Along with this, Gen-Z is not only shopping, but is also using EMI and other credit products more than before.

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Gen Z leads for the first time

• According to the report, by March 2026, 50 percent of the first-time credit card customers were below 30 years of age.
• Among the first time credit card takers, 46 percent are from rural areas.
• It means clearly that now not only urban people but also rural people are increasingly using credit cards.

Credit card usage continues to increase

In March 2026, the number of people having credit cards has increased to 5.2 crore. During the same period, the number of active credit cards in use increased rapidly by almost five times to 10.7 crore.

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Benefits of Credit Card: In today’s time, people are no longer limited to just food, clothing and shelter. With time, their preferences and needs are also changing and people are incorporating them into their everyday lives, like nowadays OTT, fitness apps and many subscription services have become an important part of our lives. In such a situation, it is important to choose the right credit card, because it can help a lot in increasing your savings.

If you link your subscription payments to a credit card, you can not only automate payments but also earn rewards and cashback. With this you will be able to manage your budget easily. Along with this, today through many online platforms and banking websites, you can compare different credit cards and choose the right option as per your need.

What are the best credit cards for subscription?

1. ICICI Bank’s Amazon Pay Credit Card comes without joining and annual fees. In this, Amazon Prime users get 5 percent reward and non-Prime users get 3 percent reward, which is directly added to the Amazon Pay balance.

2. HDFC Bank’s MoneyBack plus card gives 10x cash points on platforms like Amazon, Flipkart, Swiggy and also gives points on every Rs 150 spent and gift vouchers on quarterly spends.

3. Axis Bank’s Privilege Credit Card offers discounts on dining, entertainment and travel subscriptions. Offers are also available on platforms like Swiggy and MakeMyTrip.

4. In HDFC Regalia Gold Credit Card, you get free membership of Swiggy one and MMT Black Gold and 5x rewards on shopping.

5. ICICI Coral Credit Card is a good option for movie lovers, in which up to 25 percent discount is available on ticket booking on BookMyShow and INOX.

How to choose the right card?

If we talk about choosing a credit card, then while choosing it, it is important to see which card is giving more rewards on your subscription expenses. Along with this, it is also important to understand the balance of annual fees and benefits received. Some cards also offer extra benefits like free membership and exclusive offers, which can increase your savings.

Personal Finance: In today’s time, everyone wants to make both their today and tomorrow safe and strong by working hard day and night. In view of the rising inflation, people are working hard for the future of their families and themselves, so that they do not have to face any problems in the future, but amidst all these things, people ignore an important question that what will happen to your property after you are gone? Will she reach the right hands or get embroiled in legal disputes and wrong decisions?

The biggest reason for this is like..

• Lack of will.
• Lack of trust.
• There is no discussion about money among the family.

Many times it has been seen that parents keep information about their loans or investments hidden from their own children, due to which children have to face a lot of problems in the future. They have to make several trips to court.

Know today these 6 bad habits that can destroy your wealth.

1. Putting off wills and estate planning

Many people think that making a will is necessary only for rich people or it is done in old age, but this thinking is wrong and can also create many problems for you. If you have not made a clear division of your property then disputes are bound to arise later.

What to do: First of all, keep all the information about your property in writing and also share it with your family.

2. Spending more than earning

Nowadays, show off among people is crossing limits. People are preferring to show off life in a simple way rather than showing it off more. This has become a different trend in today’s times. People spend more than necessary and maintain their lifestyle by taking loans. The biggest mistake that people often make is spending money on expensive things, the value of which decreases with time.

Right way: Invest in such things which will give you returns in future, like mutual funds, gold or land.

3. Increasing debt burden

Excessive use of credit cards and personal loans gradually turns into a big trap. It is important to understand that while compound interest gives profit in investment, it increases the loss manifold in loan.

4. Ignoring insurance

Most people consider insurance to be an unnecessary expense, but imagine that if a medical emergency suddenly occurs, it can shake your entire financial condition.

Important steps: You must take health insurance and life insurance. Apart from this, you should also get the property insured.

5. Lack of diversity in investment

If you have invested your entire capital in one place then the risk increases a lot.

Suggestion: Divide your investments among different sectors so that the risk is reduced.

6. Hiding debts and responsibilities

If you hide financial information from your family, they may have to suffer huge losses in the future.

Remember: Transparency is the foundation of strong financial planning.

How to start right?

To keep your property safe, it is important that you plan in time. Before making any kind of big investment or loan, definitely consult a financial advisor. Also involve your family in your decisions so that everyone is aware of the situation.

the most important thing

Earning money is important, but handling it properly and passing it on to the coming generations is even more important. If you improve your habits and give priority to estate planning, your hard-earned money can remain safe.

As soon as the new financial year starts from April 1, 2025, there have been many changes, which will have a direct impact on your life. Whether it is a reduction in the price of cylinder or a change in the banking system and a pension scheme. In such a situation, let us know what are the 10 major changes, which have been implemented from the first day of the new financial year and what is going on on your pocket:

1-Gas cylinder cheaper:

Gas cylinders from Delhi to Mumbai and Chennai reduced. Commercial gas cylinders have been announced up to Rs 40. However, there has been no change on domestic gas cylinders. According to the Indian Oil Corporation, the price of commercial gas cylinders in the national capital Delhi is now Rs 1762 and it has been reduced by Rs 41. Whereas in Kolkata, after 44 rupees 50 paise, the new price of commercial gas cylinders has increased to Rs 1868.50. Whereas, the prices of commercial gas cylinders in the country’s financial capital Mumbai have been cut by Rs 42, after which it has now become Rs 1713 to 50 paise. So if we talk about Chennai, then the new price of the cylinder has increased to 1921 rupees 50 paise after a shortage of Rs 43.

2- 12 lakh income free of income

In the new financial year, you will not have to pay any tax on earnings up to Rs 12 lakh. Union Finance Minister Nirmala Sitharaman gave great relief to the salaried and middle class in the budget presented for FY 2025-26. That is, now income of 12 lakh 75 thousand rupees will be free. Standard deduction of 75 thousand rupees will be available.

3-ups changes

From April 1, the Unified Pension Scheme replaced the old pension scheme, which was started by the government in August 2024. The UPS will affect about 23 lakh central government employees.

4-Credit Card Rules Change

On the new financial year, State Bank of India, Axis Bank and IDFC have announced a change in their credit card rules. Reward points, fees and other changes have been made under the new rule, as well as the cashback and offers received earlier.

5-jet fuel cheaper

Air travel is expected to be cheaper in the new financial year. Oil companies have reduced fuel prices used in airplanes. While the price of prison fuel in the national capital Delhi has been reduced by Rs 90 thousand per liter, in Mumbai its new price has been reduced by 84 thousand rupees per kiloliter. However, in Chennai and Kolkata, the prices of ATF are still more than 90 thousand kiloliters.

6-bank minimum balance

All government banks like SBI, Canara and PNB have announced to increase the minimum amount of minimum balance. However, this minimum balance has been decided on the basis of urban, semi urban and rural areas. If an account holder keeps less than that minimum balance in a month, then penalty will be applied on it.

7- Vehicles will be expensive

Trains are also going to be expensive from today. On one hand, while BMW to Maruti Suzuki, Tata Motors and Kiya have announced to increase the price of vehicles, on the other hand, Mahindra & Mahindra and SUV have also increased its price.

8- Change in UPI Rules

In view of the increasing digital transaction and the role of UPI in it, the National Payments Corporation of India issued several rules regarding its safety. It has been implemented from April 1, after which instructions have been given to gradually remove the mobile numbers linked to the UPA of Google Pay, Google Pay.

9- Toll became expensive

Today, the National Highway Authority of India has made toll tax expensive. That is, now more money will have to be paid on toll than before. NHAI has approved the different tolls and different charges on the national highway, which has been implemented.

10-10 -lic Santop Paper Closed

Physical stamp paper of 10 thousand to 25 thousand rupees was closed in Uttar Pradesh from April 1. This move of the government, which was started with the aim of promoting digital, will not only increase transparency but e-stamping will give people a lot of convenience.

11- Changes in GST Rules

Some important changes in GST i.e. Goods and Services Tax Rules are also going to happen from April 1. E-way bills will not be made on the Aadhaar document more than 180 days. Also, there will be multi -factor authentication on the GST portal.

12-Digilocker changes

Some changes have also been made in DigiLocker, after which investors will now be able to keep the demat account holding statement and consolidated account statork in the digilage. The purpose of SEBI to do this is to make investment management easier along with losing documents or protecting them from forgetting.

13- Changes in home loan rules

From today, the rules of home loan have also changed now. On behalf of the Reserve Bank of India, the new rule was implemented in the Prereity Sector Lending, which will replace the old rules of 2020.

14- Mutual fund change changes

From today you will also see a change in the rules of mutual funds. According to SEBI’s new rule, funds collected through new fund offers will have to invest within 30 business days.

15-Fastag Compulsory in Maharashtra

Now Fasttag has been made mandatory in the financial capital Mumbai. If there is no fasttag on a car, then the driver or the vehicle owner will have to pay double cash. It has been implemented for the purpose of promoting digital payment. However, it was already implemented in many parts of the country.

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