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?
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?
