Best credit card for students and young professionals in India
Sangeetha Naik
Asked 23 Mar 2026
I am 21, just started working with a ₹1,00,000/month salary. Which credit card is best to begin my credit journey with in 2026?
2 Answers
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
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