Which credit card should I get as a first-time user?
Yash Gaikwad
Asked 12 Apr 2026
4
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
15
Ananya Bhave·14 Jun 2026
Two things nobody tells you: (1) GST is charged on the annual fee, so a ₹1,000 fee becomes ₹1,180. (2) Reward points usually have an expiry of 2-3 years. Set a calendar reminder to redeem before they lapse.
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