A credit card is a payment card that allows the cardholder to borrow money up to a certain limit in order to make purchases or withdraw cash. The cardholder is then responsible for repaying the borrowed amount, along with any interest or fees, to the issuer of the card. Credit cards are often used to make purchases or withdraw cash, and they are accepted by most merchants that accept other forms of electronic payment.

Some common features of credit cards include:

1. Credit Limit: This is the maximum amount of money that a cardholder can borrow at any given time.
2. Interest Rate: This is the rate at which interest is charged on the outstanding balance on the card. It can be a fixed or variable rate.
3. Annual Fee: Some credit cards charge an annual fee for the use of the card.
4. Rewards: Many credit cards offer rewards such as cash back, points, or miles for purchases made with the card.
5. Fraud Protection: Credit cards typically have security features to protect against fraud, such as chip technology and PINs.
6. Credit Score: Many credit card companies report payment history to credit bureaus and thus responsible usage of credit card can help improve credit score.
7. Grace period: Many credit cards come with grace period of 20-25 days, meaning no interest is charged if cardholder pays off their balance in full during that period.
8. Cash Advance: Credit card also offer cash advance, which allows cardholder to withdraw cash from an ATM using their credit card.
9. Balance Transfer: Some credit cards offer balance transfer feature, which allows cardholder to transfer their outstanding balance from one credit card to another with a lower interest rate.
10. Insurance and Protection: Some credit card issuer also offer insurance and protection on purchase made using credit card such as purchase protection, extended warranty, and travel insurance.
11. The customer can submit application for credit card to any of the following banks.

• Axis Bank
• HDFC Bank
• SBI
• AU Small Finance Bank
• Bajaj Finserve
• Yes Bank
• Indus Ind Bank
• Aspire
• Standard Chartered
• Bank of Baroda
• Bajaj RBL
• ICICI Direct
• City Bank
• AU Bank
• IDFC First Bank