Which credit card should I get as a first-time user?
Diya Ranjan
Asked 24 Mar 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
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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.