I personally feel not to use a credit card and at times it lends you in a debt trap if you are not good in assessing the financial expenses. However, I find this particular one different from the traditional credit card and it really cares for the cardholders. Rewarding points at the time of payment may otherwise prove to be motivated and it could equally be a marketing trick. But as long as it is doing good for both sides, there is no problem with it.

Thank you and Have a great day.