Which credit card should I get as a first-time user?
Tanvi Dhillon
Asked 18 May 2026
I have never owned a credit card before. Salary is ₹1,50,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
2 Answers
Yes the rewards sound amazing in marketing, but the redemption catalogue is full of products at inflated MRP. The statement credit redemption is almost always the best value. Skip the merchandise, skip the flight bookings, take the cash.
For the fee waiver condition: most banks count only retail purchases, not EMI, wallet loads, or fuel (in some cases). Read the TnC PDF linked at the bottom of the fee-waiver email — it's usually 2-3 paragraphs of fine print that change everything.
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