Best credit card for students and young professionals in India
Nitin Sarangi
Asked 22 Feb 2026
4
I am 21, just started working with a ₹25,000/month salary. Which credit card is best to begin my credit journey with in 2026?
2 Answers
Accepted
5
Hitesh Dhankhar·18 Mar 2026
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
2
Rhea Sachdeva·13 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.
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