Which credit card should I get as a first-time user?
Maya Verma
Asked 13 Apr 2026
22
I have never owned a credit card before. Salary is ₹50,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
1 Answer
19
Mokshita Chatterjee·18 Mar 2026
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.