Which credit card should I get as a first-time user?
Sudeep Ranjan
Asked 11 Mar 2026
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
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
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.
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