Which credit card should I get as a first-time user?
Rituparna Koul
Asked 8 May 2026
I have never owned a credit card before. Salary is ₹1,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
2 Answers
Forex markup comparison: Amex = 3.5%, HDFC Infinia/Diners Black = 2.0%, Axis Atlas = 3.5% but with milestone fee waivers, ICICI Emeralde = 3.5%, Standard Chartered = 3.5%. If you travel more than twice a year, the math favours Infinia or Diners Black.
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
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.