Verified 6 Aug
Sandeep Varadarajan
Asked 21 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.
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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?
