Which credit card should I get as a first-time user?
Jhanvi Dudi
Asked 30 Mar 2026
7
I have never owned a credit card before. Salary is ₹1,50,000/month. Which is the safest entry-level credit card to start building my CIBIL score?
1 Answer
9
Naveen Ramaswamy·13 May 2026
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
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