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The easiest way to start your credit card journey is to open an FD with your bank. They will immediately offer a credit card based on that FD. Use this to build your credit score over a year or so. As soon as your credit score hits around the 700 mark, you should be eligible for a number of other credit cards.
After a while once you start travelling more often, miles and reward points become more useful.
2. Within a few months bank will offer you a credit card.
Don't ever exceed limits or pay late or your cibil score will go as bad as placement stats of future NLS batch with 500 kids.
If my salary account is in HDFC, what is the credit limit I can expect with my starting A0 salary if I want HDFC credit card? Which HDFC card can I expect to be get?
Could you please give certain credit card suggestions for an A0 who has no credit history? Thank you!