Looking for advice on a good first credit card in India.
I’m a fairly conservative spender and mainly want a credit card to start building a solid credit score because I’m planning to apply for a home loan in about a year.
My spending is moderate and mostly online:
- Amazon
- Zomato
- Blinkit
- Myntra occasionally
- Train ticket bookings
- Bus bookings on RedBus about once a month
I don’t travel much, don’t care about lounge access, and I’m not looking to maximize rewards aggressively. My priority is:
Easy approval for a first card
Low fees / easy to manage
Helps build credit history properly
Some decent cashback on regular online spending would be nice
I’ll always pay bills on time and probably won’t use more than 20–30% of the limit.
What cards would you recommend for someone in this situation?