Which credit card should I get as a first-time user?
Devanshi Mukherjee
Asked 1 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
2
Harshit Phogat·24 Apr 2026
Honestly, the annual fee is on the higher side. But if you spend consistently on the accelerated categories, the cashback more than offsets it. I did the maths on my own statement last year and came out ahead by about ₹3,200.
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