Which credit card should I get as a first-time user?
Imran Pillai
Asked 1 Jun 2026
I have never owned a credit card before. Salary is ₹50,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
2 Answers
On credit limit increase: most banks auto-review every 6 months. If you use 30-70% of the limit and pay in full, you'll get an automatic increase. Don't call and ask for it explicitly — banks take it as a sign of credit hunger and sometimes lower the limit instead.
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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