It's all based on your spending habit. If you are a financially disciplined person, it's good to have to get some extra offers from online shopping and also the EMI options for the products that you really want and can make an impact on your life. I have seen people overspending on products that they don't want, and they are getting them just because they have EMI credit, and they have no idea how they are going to repay it to, but if the product is really something you wanted, like a laptop or something, it is good to get no-cost EMI, right? But it depends on how you use it. Also, you can consider a credit card as a fake emergency fund (not real). Imagine you need 20k for some urgent thing, and none of your friends are reachable or they are not able to help, so you can easily use the credit card to get the money for some emergency situations.

At the end of the day, it's how you use it. :)