Credit cards offer convenience, but they come with various charges that you should be aware of.
Common Fees
- Joining Fee & Annual Fee: Ranging from ₹500 to ₹10,000+.
- Interest Rate (APR): Around 36% to 42% per annum if you roll over balances.
- Late Payment Fee: Charged if you miss the minimum due payment.
- Forex Markup: Usually 2% to 3.5% on international transactions.
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