Which credit card should I get as a first-time user?
Abhay Dwivedi
Asked 10 Apr 2026
22
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?
1 Answer
Accepted
2
Aryan Meyor·24 Mar 2026
Credit score impact: each hard inquiry (which happens on card application) drops your score by 5-15 points temporarily. Applying for 3 cards in 2 months is fine IF you get all 3 approved. If 2 get rejected, you've taken a hit with nothing to show for it. Apply smart, not fast.
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