credit cards are evil. Do not get a credit card. banks will lure you into getting one but think of the consequences when you are not able to repay, and reject the offer. This is the worst product offered by banks. Credit cards are no less rip-off than money lent by "sahukar", if the full balance is not paid before the end of the month. Also the annual charges, "other" charges and insurance premiums are nothing but theft. The pain you'll go through when bank starts calling up for repayment will be unimaginable.
