Which credit card should I get as a first-time user?
Karthik Chaturvedi
Asked 15 Jun 2026
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?
2 Answers
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
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