Verified 6 Aug
Sarojini Iyengar
Asked 16 Mar 2026
I've been using this card for over a year now. In my experience, the rewards are decent but the real value is in the lounge access and the milestone benefits. Make sure to read the fine print on the welcome benefit — most banks only credit it after the first transaction, not on approval.
Don't blindly apply based on YouTube recommendations. Pull your latest CIBIL score first — most premium cards need 760+. If your score is in the 700-750 range, start with a lifetime free card and upgrade after 12-18 months of clean history.
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I have never owned a credit card before. Salary is ₹75,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
