Which credit card should I get as a first-time user?
Aradhya Nocte
Asked 4 Mar 2026
23
I have never owned a credit card before. Salary is ₹2,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
1 Answer
9
Yogesh Srinivasan·28 May 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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