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Cash works best in face-to-face transactions and checks take time to cash. Credit cards and electronic payments, however, make functioning in a global marketplace much easier. Credit cards play an important role in the cycle of increased consumption and production by offering merchants a guaranteed method of payment and providing consumers with a way to bridge the gap between pay checks in times of emergency. Many modern credit cards attempt to entice cardholders by offering additional consumer benefits and rewards. Based on the type of card you have, you may qualify for rewards such as cash back, discounted purchases, trip cancellation insurance and air miles. With a little comparison shopping, you can find a credit card that offers rewards to fit your lifestyle. Some credit cards allow you to finance new purchases interest-free for several months. Doing so allows you to finance an emergency doctor's visit or car repair without paying interest and finance charges. This research study is an attempt to study the Purchase Behaviour of Credit Card holders before Covid-19 in Srikakulam district of Andhra Pradesh State.