Beginner

Pehla credit card kaunsa lein?

Paanch slide. Ek minute. Uske baad aap galat card nahi lenge.

Rule 1

₹0

Lifetime free se hi shuru karo

Pehla card seekhne ke liye hota hai, kamane ke liye nahi. Agar pehle saal kuch galat bhi ho jaye, to kam se kam fee to nahi bhari.

Fee wale cards tab lena jab aapko pata ho ki aap saal me kitna aur kahan kharch karte hain.

Do options

Do cards jo sach me free hain

Amazon Pay ICICI — koi joining fee nahi, koi annual fee nahi. Amazon pe Prime walon ko 5%, bina Prime ke 3%.
IDFC FIRST Millennia — bhi bilkul free. Dining, travel aur international pe 10X reward points.

Dono me se ek chuno — dono ek saath lene ki zaroorat nahi.

Rule 2

30%

Limit ka 30% se zyada mat use karo

Limit ₹50,000 hai to mahine me ₹15,000 tak hi kharch karo.

Credit utilisation aapke CIBIL score ka 30% hissa hai. Limit bhar ke use karna score ko neeche khinchta hai — chahe aap poora paisa time pe bhar dein.

Rule 3

"Minimum due" ka jaal

Bill me chhota sa "Minimum Amount Due" likha hota hai. Wo bharne se card band nahi hota — par baaki poori raqam pe interest chalu ho jaata hai.

India me credit card interest 18% se 42% saalana tak jaata hai. Ye sabse mehnga udhaar hai.

Hamesha Total Amount Due bharo. Har mahine. Bina exception ke.

Bas itna

Teen baatein yaad rakho

Lifetime free card se shuru karo
Limit ka 30% se kam use karo
Poora bill bharo, minimum due nahi

Saare cards compare karo →

Ye general information hai, aapke liye personal salaah nahi. Apni income aur kharch dekh kar hi faisla karein.

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Sirf information — financial advice nahi. Fees badalti rehti hain; apply se pehle bank ki site pe check karein. Affiliate disclosure