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They eliminate the need to carry around cash or checks.
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As a citizen of india, you're required to get a pan card, which is an identification card with a permanent account number. Getting a credit card is a fairly straightforward process that requires you to submit an application for a card and receive an approval or denial. There are various ways to pay when shopping or sending money to friends and family in the modern age. It is completely free to obtain and provides an indian citizen with a number unique to them. In this digital world, all it takes is a savvy way to search sites online.
In addition to cash or credit, there is google pay, apple pay, paypal, venmo, and cashapp.
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It's crucial for proving your identify and proving that you paid your taxes that year.
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