Today, using a credit card to pay for goods has taken over the traditional cash payment methods since it offers ease, improved security, and the chance to accrue rewards.

Credit card utilization is best suited to those who can keep track of their ability to make a monthly payment (preferably in full) on or before the due date. If you already know how to use a credit card appropriately, switch as many of your purchases to your credit card and just use your debit card to access ATMs. If you do, you will have an advantage over customers who pay with a debit card, cheque,or cash because of the benefits, buyer protection, and many more.

A platinum credit card is a credit card that offers greater advantages than gold or normal credit cards. The platinum card has better status than the gold card, just as a platinum ring is more precious than a gold ring. Compared to other conventional credit cards, a platinum card offers several concrete advantages. It is also in demand due to its reputation as a prestige card for high-end clients.

How to shop instantly using a Platinum credit card?

Credit and debit cards are accepted in the United Arab Emirates and Dubai. Credit cards from Mastercard and Visa are accepted practically everywhere in Dubai, including businesses, petrol stations, and ATMs. The Platinum credit card offers a lot of promise, with larger spending limits and more purchasing power. Customers who desire more from their credit cards can choose the Visa Platinum card. Compared to gold cards, Platinum credit cards provide higher credit limits, which might be advantageous if you often use credit and make on-time credit card payments.

Platinum Credit cards in Dubai offer a simple, safe payment method, and most websites follow the same procedure for online transactions.

Following are the steps for payment depending on the circumstance:

• For Offline Shopping

For offline shopping, simply produce your platinum credit card at the billing counter to pay for your purchases at a retail establishment, such as a restaurant, a supermarket, or a shopping centre. Your card will be swiped or inserted into a machine by the counter employee, who will then request your PIN (a secret code that only you know) to complete the bill payment.

• For Online Shopping

To complete an online transaction, you must submit various pieces of information after reaching the checkout page.

1. Enter Your Shipping Information.

The seller uses your shipping address to compute your shipping cost and update your transaction total.

2. Select 'Credit Card' as the payment method.

This will enable you to proceed with your payment via your platinum credit card.

3. Fill in your information exactly as it appears on your credit card.

Examine the credit card to ensure that you have typed your name accurately. After that, input your credit card details, including the credit card number, expiry date, and security code.

4. Enter your credit card's billing address.

This is the address where you will get credit card statements. Please keep in mind that this address may differ from the mailing address. If you are unsure about the billing address, consult your credit card statement.

5. Verify Your Information.

After you have entered everything and hit the continue button, you will be led to a verification page where you may go over everything you have typed. Once you've double-checked everything, click the submit button to finish your order.

Features of using a Platinum credit card

. For Platinum cardholders, each issuer offers a unique set of perks, which might include:

• High or uncapped credit limit: Platinum cards feature an unbounded credit limit, which provides you far more spending freedom than normal or gold cards.
• More reward points per rupee spent on paying bills: Compared to other credit cards, these cards will award you more reward points per rupee spent. These points can be exchanged for a selection of presents or gift cards.
• Benefits while paying Travelling bills include free membership to hotel loyalty programs, discounted airfare through airline partners, and free access to airport lounges. You may also use concierge services to get advice on entertainment and travel possibilities.
• Financing a large amount of Bill Payment- Large bill payments may be financed with credit cards, allowing you to make a purchase today and pay for it later (with interest).
• Protection on paying bills- Debit and ATM cards are less safe against fraud than credit cards. When using a credit card, the maximum responsibility for fraudulent transactions is 183.65 United Arab Emirates Dirham, and many issuers guarantee that you will bear no liability at all. If you wait too long to realize or report a lost debit card, you could have to pay the whole amount. In addition, a lot of credit cards include useful insurance as well, such as travel insurance and protection for cell phones.
• Convenience- Credit cards allow you to pay bills both locally and internationally, at physical locations, online, and over the phone. Numerous Platinum credit cards are widely accepted for paying bills to an organization that may be separated via international borders.

Online credit card payments are typically considered secure and may even be safer than online debit card payments because of additional security measures. If your credit card information is stolen, as long as you tell your bank within two business days, you will only be liable for fraudulent transactions. Often, a platinum credit card is a provider's top-tier rewards credit card, including perks that aren't typically included with regular or gold cards. These cards are designed for people who can pay off their debt in full each month because they often feature higher interest rates.