Verified 6 Aug
Chhavi Nara
Asked 17 Apr 2026
I've been a customer for 6 years. The biggest upside is the customer service. The biggest downside is the slow mobile app. If you do most banking on the app, test the app at a branch before applying — it's surprisingly old.
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.
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I am 21, just started working with a ₹40,000/month salary. Which credit card is best to begin my credit journey with in 2026?
