Get Your Credit Card

Travel Cards: Offer rewards and benefits for travel expenses like airport lounge access, travel insurance, and air miles.
Reward Cards: Earn points or cashback on specific categories like shopping, dining, or fuel.
Lifestyle Cards: Cater to specific interests like movies, entertainment, or online shopping with targeted rewards.
Super Premium Cards: High-end cards with exclusive benefits like airport transfers, concierge services, and premium reward programs, but require a higher income and credit score.

And Many More.....

Annual Fee: While some credit cards charge an annual fee, others may be lifetime free, free for the first year, or even have waived fees under certain conditions. It all depends on the card type and variant you choose. Be aware and pick the option that suits your spending habits best!
Interest Rate: Charged on unpaid balances if not paid in full by the due date. Rates vary depending on the card and your creditworthiness.
Late Payment Fee: Penalty for not making the minimum payment by the due date.
Foreign Transaction Fee: Charged for using the card internationally (usually a percentage of the transaction amount).
Cash Advance Fee: Fee for withdrawing cash using your credit card, often with a higher interest rate applied.

Pay your balance in full each month: Avoid interest charges and maintain a good credit score.
Track your spending: Monitor your expenses and avoid exceeding your credit limit.
Only use your card for planned purchases: Don't use it for impulse buys or emergencies.
Beware of minimum payments: Just paying the minimum won't pay off the debt and keeps accruing interest.
Consider secured credit cards: Build credit history with a card secured by a deposit.

Late payment fee: Charged as per the card's terms.
Impact on credit score: Missed payments negatively affect your credit score.
Increased interest rate: Penalty interest may be applied on the outstanding balance.
Debt collection: In extreme cases, the bank may resort to debt collection agencies.