Relocated to India, what should be my first credit card?
Current Cibil: Not sure,
Age: 30,
Annual income > 85 lakhs,
Employment status: Freelancer,
Top spend categories: entertainment, shopping, groceries
Reward preference: No
Lounge access required: No
Recently moved from to India from US. Used credit cards like Chase Sapphire, Bank of America Travel for years there. Had an excellent credit score in Transunion, experian and equifax.
Did not have any credit cards or loans in India, so not sure about my CIBIL score at all.
I dont travel a lot, maybe once or twice a year with family. Use swiggy or movie apps 3 -4 times a month.
I have an HDFC account in India. I would like to start building my credit history in India from scratch. Looking to buy home loans and auto loans in next couple of years.
I am okay with paying an annual fee if its worth it. Please give me few options to consider in HDFC or others.