Which credit card should I get as a first-time user?
Rajkummar Bediya
Asked 20 Mar 2026
26
I have never owned a credit card before. Salary is ₹25,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
1 Answer
8
Chitra Raj·9 Mar 2026
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
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