Which credit card should I get as a first-time user?
Anahita Bhattathiri
Asked 13 Jun 2026
I have never owned a credit card before. Salary is ₹2,00,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
2 Answers
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.
On the lounge access — the PassApp / Dreamfolks integration works smoothly only if you've registered your card on the lounge app before reaching the airport. First-time users always face issues. Do it the night before, not at the lounge counter.
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