New Delhi, July 22 -- Credit cards come with a whole host of fees and charges. These include joining fee, annual fee, cash advance fee, overlimit charges, late payment charges, reward redemption fee, foreign currency mark-up fee and transaction charges. Here is a primer on important credit card fees and charges.

This is a fee that is levied when the credit card is issued to the customer for the first time. This is a one-time fee that is charged when you activate the card after your application is approved. A joining fee covers the cost of issuing a card and is typically paid when you first receive it or is charged in your first billing cycle. Card issuing banks waive this fee for preferred customers and for those who meet the specified s...