Which credit card should I get as a first-time user?
Nagaraj Kelkar
Asked 13 Jun 2026
19
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?
1 Answer
Accepted
11
Aarohi Mondal·14 Apr 2026
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
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