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Neither am I. The whole concept of credit cards is rather confusing & suspicious for me.
Anyway, this is a pretty good list http://www.indianvideogamer.com/forums/index.php?showtopic=45274
If you are a wokring professional then get a credit card as they work on all international websites. Otherwise a debit card would work fine.
I only found my axis mastercard debit card working on steam and my icici visa debit card was not accepted on steam even though that guide poited out above says that icici bank cards are accepted.
Either way, never store your card details on steam for an added safety. Happy Gaming.