Which credit card should I get as a first-time user?
Priyal Raman
Asked 10 Jun 2026
5
I have never owned a credit card before. Salary is ₹40,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
2 Answers
22
Sakshi Deshpande·12 May 2026
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
20
Suhana Bose·20 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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