Which credit card should I get as a first-time user?
Charvi Rai
Asked 15 Mar 2026
19
I have never owned a credit card before. Salary is ₹25,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
1 Answer
17
Sarojini Iyengar·17 Mar 2026
Short answer: no, EMI on credit card is not cheaper than a personal loan for large amounts (>₹50,000). The processing fee (~₹199-₹599) plus the interest (~14-16% reducing) usually adds up to slightly more than a personal loan rate of 11-13%. But for small-ticket EMI (₹10-20K), it is fine.
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