Most people use their credit cards for cashback or EMI payments — but that’s barely scratching the surface. Here’s what you might be missing out on 
1. Complimentary Lounge Access
Even entry-level cards often include 2–4 free domestic lounge visits every quarter. Some premium ones offer international Priority Pass access too.
2. Free Insurance Coverage
Lost baggage, flight delay, accident cover — these come bundled with many cards. Example: HDFC Diners Club Privilege offers up to ₹50 lakh in air accident insurance.
3. Extended Warranty
Bought a gadget using your card? Some issuers like Axis and ICICI extend the manufacturer’s warranty by up to 12 months — automatically.
4. Price Protection
If the price of an item drops soon after you buy it, your card may refund the difference. This is common in premium cards like Amex Platinum or HDFC Infinia.
5. Concierge & Lifestyle Privileges
Need a restaurant reservation, event tickets, or travel help? The card concierge can do it for you — a perk many users never tap into.
6. 1+1 Movie Offers & Dining Discounts
Cards like Kotak PVR INOX, Axis Magnus, or HDFC Diners Club offer Buy 1 Get 1 movie tickets and up to 20–25% off at partner restaurants.
7. Credit Score & EMI Flexibility
Many banks now offer score tracking tools, and flexible EMI conversions — letting you control your credit utilization and avoid heavy interest.
Insight
Your credit card is more than a spending tool — it’s a bundle of lifestyle and financial protections. Always read your card’s fine print or visit the “Benefits” tab on your bank’s app — you might find perks you didn’t know existed.