Is there a point to getting credit cards if your spending is less than 20k per month?

The rewards, lounge access, etc is an extra. Don’t consider them if you don’t want to. A decent spending on the credit card (even if it’s ₹5k) helps maintain a credit history. This is useful when applying for loans.

Another way I see Credit Cards is a source of emergency money. If I have money locked in Mutual Funds or Stocks, it takes time to redeem those. Some funds like Liquid ones have instant redemption, but mostly takes a day or two for other funds to give your money.

Having a credit card is like having an emergency fund. You can swipe now and pay 20-25 days later. I have two credit cards (both free) with a sizeable limit. If something happens and I need money instantly, I can swipe the card.

Obviously, I should always have the money that I swipe in assets I can liquidate before the billing cycle is over. But helps me take more risks by investing in sources that don’t have instant redemption.

Specially in case of a health issue where I’m not in a position to take a decision and withdraw funds, my family can swipe the card. Once I’m in a better position, I can guide my family on what investments they can liquidate and how.

Lounge access

Amex Gold Charge is the card to go for if you've less than ₹20k spends in a month. I'd advice to spend ₹72k in an entire year to reap maximum benefits. Feel free to DM to know more about it or check my post on the same

Even if you're just spending 1000 rupees every month, use the credit card (if you have it). You'll maintain a decent credit history in case you want to take loan in future.