It is advisable for people and their spouses to have credit cards. Either on individual basis or as an add on. There are quite some reasons to it:
1. In case of a medical emergency, the credit card comes in handy for making payments at the hospital. It is true that a debit card will also serve your purpose, but only to a certain extent. An extent to the maximum per daily swipable amount at a Point of Sale (POS). Usually, this is around Rs. 40,000 per day even if you have more money lying in your savings bank account. On the other hand, the whole credit limit of the credit card can be used for making the hospital payment. This limit varies with how premium a customer you are with respect to the bank. At the minimum it will give you some Rs.20,000 worth of limit and can run into a few lakhs too.
2. Having a credit card has other uses also. The free credit period and reward points as mentioned here in this link.
