Which credit card should I get as a first-time user?

Jhanvi Almeida

Asked 26 Feb 2026

-1

I have never owned a credit card before. Salary is ₹60,000/month. Which is the safest entry-level credit card to start building my CIBIL score?

1 Answer

Accepted

Aruna Chowdary·11 Mar 2026

I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.

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