Financial India has become heavily dependent on credit cards. However obtaining one is not difficult. Ordinarily you will have to bear the fees for joining and also annual fee for maintaining your credit card. Joining fee will be one time non-recurring fee while the annual fee will be recurring. 

The fees vary with banks and the range is from Rs.400 to Rs.2000 depending on the type of card you are opting for. While one bank may charge you Rs.400 as annual fee for the classic card, icici launch a new card and may charge Rs.800 for the same. You will have to pay all the fees in advance. They will be coming charged on you in the billing statement. 

You have to be careful however about safety of your credit cards Guard adequately against possible loss. You may have some insurance coverage and in case of loss you must immediately inform the provider bank. On receipt of your information the bank will freeze the account and stop transactions with the credit card. You have to look out for the terms and conditions since there are some financial institutions that make the card holder responsible for loss even when they are duly informed. 

Your liability after you have duly reported the loss of the card would be traditionally restricted to a sum of Rs.1000 only. Normally the bank will charge you an amount as per their schedule for a replacement card. This will be in addition to the liability of Rs.1000.