Credit cards come with legal contracts. Hence, it is important that you are aware of their terms and conditions, when you sign up for them. Explore features and learn about T&Cs: Please read your credit card application carefully to know about your cardâ€™s features and associated Terms and Conditions. The information mentioned in small prints may have big impacts on your fees, charges and usage conditions. While some T&Cs are similar on all cards, there are many others that may be particular to the ones you are applying for, so we recommend that you go through all of them.