Hi everyone! I just started my first job (IT, ₹6 LPA).
I have no credit history and looking to get my first card. What would you recommend?
My monthly expenses:
Should I go for a secured card or try for entry-level cards?
At 6 LPA, you should be able to get most entry-level cards. HDFC Millennia is good too.
Pro tip: Don't apply to multiple cards at once. Space them out by 3-6 months.
I started with Amazon Pay ICICI too. Great first card. After 6 months, got Flipkart Axis.
Whatever you do, always pay full amount before due date. Building good credit history is crucial!
Please log in to comment on this topic.
Congratulations on the job! Start with Amazon Pay ICICI - easy approval and great cashback.