Which credit card should I get as a first-time user?
Vinay Sethi
Asked 8 Jun 2026
19
I have never owned a credit card before. Salary is ₹40,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
2 Answers
Accepted
8
Madhuri Rawat·3 Mar 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
17
Darshan Koley·11 May 2026
The customer care experience matters more than people think. I've had two cards with similar rewards, and the one from the bank with better support saved me ₹18,000 when there was a merchant dispute. Don't underestimate this.
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