Need Help Choosing the Right Credit Card with Salary Account as a Fresher (0 CIBIL)

[anshuwuuu]

I currently have a 0 CIBIL score and have applied for a secured RuPay credit card with a limit of ₹50,000 to help build my credit score. I’ve received my first job offer with a salary of around ₹40,000 and will be joining in September.

I’m looking to get a good credit card in the future and would prefer one that offers benefits on food, dining, and shopping. My company allows salary account openings with 8 banks (HDFC, ICICI, Axis, Kotak, SCB, HSBC, IDFC, or DBS), and I’m planning to choose either HDFC or HSBC(as someone suggested the Live+ card is a good option.)

However, I don’t think I’ll be staying in a Tier 1 city after 2 months, so I may not be eligible for the Live+ card. Some of my friends who joined the same company were issued a Visa Platinum credit card while opening their salary account.

Could you please guide me on what I should do and where to open salary account?

 

[marchalfdema]

looking for cash or loan for my son tuition bill

 

[Sandy_143]

APPLY FOR fixed Deposit and You will get a Credit Card on FD

SBI CASH BACK CREDIT CARD BUT YOU HAVEN'T CREDIT CARD THAN YOU CHOOSE FD BASE CREDIT CARD

Kotak Mahindra Bank credit card against FD offers a credit limit of up to 90% of your fixed.
The Minimum fixed deposit required is ₹10,000. This deposit must be held for a Minimum tenure of 181 Days to qualify for the Kotak credit card against FD.

You want ₹50,000 CREDIT CARD LIMITS than you have ₹55,555 required for fixed deposit

if You want make a Healthy CIBIL score than You should use below 30% of CREDIT CARD LIMITS.

Tips to Maintain a Healthy Score

- Set up Auto-debit for EMIs.
- Keep credit utilization Below 30%
- Avoid applying for multiple loans at once