Most banks will automatically give you a debit or credit card or both as soon as you open an account with them. While both can be conveniently used for regular purchases, debit cards deduct money for the purchase from the money that you own in your bank account, while credit cards borrow this amount from the bank; so the bank is technically lending you money.
A debit card will naturally have an upper limit based on your current balance in the bank, while the credit card depends on upper limits decided by the bank as well as the type of credit card given to you, whether Classic, Gold, Platinum, Ultimate etc. If you are unable to pay the outstanding amount on your credit card within the stipulated grace period (duration differs from bank to bank), then you have to pay either a minimum balance, or late fees as well as interest on the outstanding amount. Some banks also still charge an annual fee for owning a credit card.
The Supreme Committee for Consumer Protection prohibits sales outlets from imposing any additional fees or commissions on consumers when buying commodities by credit cards.