Best credit card for students and young professionals in India
Ganesh Garg
Asked 5 Apr 2026
17
I am 21, just started working with a ₹50,000/month salary. Which credit card is best to begin my credit journey with in 2026?
2 Answers
Accepted
12
Vetrimaaran Parmar·1 Mar 2026
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
15
Tulsi Chauhan·26 Apr 2026
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
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