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Everything you need to know about choosing, applying for, and managing credit cards in India.
Start by auditing where most of your money goes each month: groceries, dining and food delivery, fuel, utility bills, or flight tickets. Pick a card that offers accelerated rewards on your top two expense categories with an annual fee that is easily offset by your expected savings.
Entry-level credit cards typically require a minimum monthly in-hand salary of ₹15,000 to ₹25,000 for salaried employees, or an annual ITR of ₹3 Lakhs to ₹5 Lakhs for self-employed professionals. Students and individuals without proof of income can opt for Fixed Deposit (FD) backed secured cards.
Applying for multiple credit cards within a short time frame triggers multiple 'Hard Inquiries' on your credit report, which can temporarily reduce your score by 5 to 15 points and signal credit hunger to lenders. It is best to wait 3 to 6 months between card applications.
Yes. In fact, many financial experts recommend a multi-card strategy: one card for high cashback on online shopping and groceries, one RuPay card for daily street-side UPI payments, and one travel card for airport lounge access and low foreign currency markups.
