With a debit card, you can withdraw funds directly from your bank account deposits.
In contrast, a credit card is similar to a short-term loan from the card issuer that allows you to make payments or withdraw cash. Rather than repaying this short-term loan on a per-use basis, at the end of the billing cycle, all of your credit card spending is combined into a single bill.
You can apply online from banks website and to open offline - visit nearest branch of selected bank to obtain application form of Credit Card. Fill up the application for Credit Card. Submit it to the respective branch. Collect your Credit Card and Pin Code after the specified day to have your card activated.
Interest free credit period of minimum 15 days to maximum 45 days after being used for Purchase transactions.