Best credit card for students and young professionals in India
Pihu Chaturvedi
Asked 27 Mar 2026
14
I am 21, just started working with a ₹75,000/month salary. Which credit card is best to begin my credit journey with in 2026?
2 Answers
Accepted
3
Ananya Parida·14 Mar 2026
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
15
Gaurav Rajput·19 Apr 2026
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
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