New Delhi, March 20 -- Credit cards are no longer just a luxury but have indeed become a part of our lifestyle because of the perks it brings in. With credit cards you can unlock cashbacks, reward points and exclusive offers on your favourite brands. Hence, every time you use a credit card you can turn your transactions into smart payments.

It is not easy to get a credit card without a credit score as most lenders will check your credit worthiness before giving you a credit card. Fortunately, there are some options for those without credit history.

Timely repayments: Make your payments for credit cards loans and BNPL plans on time to create a good credit history which can also increase your credit score eventually.

Credit utilisation r...