Verified 6 Aug
Nivedita Chauhan
Asked 4 Jun 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.
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.
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Suggest a lifetime free credit card suitable for homemakers with their first card. I want good rewards on Amazon purchases without paying any joining or annual fee.
