Looking for My First Credit Card – Suggestions Welcome!

[ghosty]

I’m planning to get my first credit card and am considering options like HDFC Swiggy, HDFC Tata Neu, or SBI Cashback cards. My monthly salary is ₹25,000 (with salary slips as proof), but I don’t have any CIBIL history yet.
I’d appreciate guidance on:

• How to apply for these cards.
• Which cards might be suitable for someone new to credit.
• Tips to ensure my application gets approved (even if it’s a lower variant).

My goal is to build my credit profile, so any suggestions to maximize my chances are welcome!
Would love to hear your advice!

 

[Skylar]

I’m planning to get my first credit card and am considering options like HDFC Swiggy, HDFC Tata Neu, or SBI Cashback cards. My monthly salary is ₹25,000 (with salary slips as proof), but I don’t have any CIBIL history yet.
I’d appreciate guidance on:

• How to apply for these cards.
• Which cards might be suitable for someone new to credit.
• Tips to ensure my application gets approved (even if it’s a lower variant).

My goal is to build my credit profile, so any suggestions to maximize my chances are welcome!
Would love to hear your advice!

As it is your first time, consider trying the bank where you have your salary account.

 

[ghosty]

As it is your first time, consider trying the bank where you have your salary account.

sadly its with Kotak bank

 

[Skylar]

sadly its with Kotak bank

You can easily get kotak credit card then.
They'll push it on you.

 

[RitamModak]

Ask Kotak Bank Customer Care they Are Ready to offer you a credit card

 

[ghosty]

Ask Kotak Bank Customer Care they Are Ready to offer you a credit card

You can easily get kotak credit card then.
They'll push it on you.

But kotak can't issue new cards. Right?

 

[RitamModak]

Oh sorry I completely mistaken ...RBI has Barred Kotak...You try first Amazon Pay ICICI ....if it is not approving go for Flipkart axis ...even it also not approve ...you must have to book a secured fd card

 

[RitamModak]

AND TRY TO NOT APLLY MANY CARDS AT A TIME...YOU MUST WAIT 3 TO 6 MONTHS ...APPLYING THE SAME CARD .

 

[Skylar]

But kotak can't issue new cards. Right?

Existing costumers can get new cards.

 

[krishna1718]

I’m planning to get my first credit card and am considering options like HDFC Swiggy, HDFC Tata Neu, or SBI Cashback cards. My monthly salary is ₹25,000 (with salary slips as proof), but I don’t have any CIBIL history yet.
I’d appreciate guidance on:

• How to apply for these cards.
• Which cards might be suitable for someone new to credit.
• Tips to ensure my application gets approved (even if it’s a lower variant).

My goal is to build my credit profile, so any suggestions to maximize my chances are welcome!
Would love to hear your advice!

if you living in metro cities you can get tata neu or hdfc swiggy with no credit history you cannt get sbi cashback easily

 

[ghosty]

if you living in metro cities you can get tata neu or hdfc swiggy with no credit history you cannt get sbi cashback easily

so should i apply card from swiggy/neu app or hdfc for better chances, because i can provide income proof if they ask

 

[cardy]

You don't need to apply from swiggy since it may be paid card.
Apply from hdfc website. It's confirmed LTF till dec 24