Which credit card should I get as a first-time user?
Suman Zala
Asked 9 Mar 2026
26
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?
1 Answer
Accepted
11
Zareena Agarwal·9 Mar 2026
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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