Credit cards, Oct. 6 -- This festive season if you have too many expenses lined up, you could consider using your credit card for a slew of benefits such as cashback and rewards. And if your card does not give so many offerings, then you could contemplate upgrading to a premium card that has an array of benefits you desire.

Those who are not aware, a premium card has a number of exclusive features and benefits which typically come at a price which is the card's annual fee. While regular cards have an annual fee of lower than Rs.1,000, premium cards - on the other hand - could levy a fee of Rs.10,000 or higher.

Before you opt for a credit card, you should consider a few points.

I. Annual fee: Remember that there is a high annual fee and...