Best credit card for beginner

124°
Spearhead
isoanicardmiser
Hi frnds,

I am working since 1 year and have never have taken loans, emis etc,

I want to know which credit card is best for building up cibil score and has offers. My shopping is mostly online + more + dmart.

Please suggest me 🙂
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The PostMighty The PostMighty
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OneCard ( FD Based )

apply process is simple , use referral to get some welcome benefits

Min 5000 rs FD to start with and you will get 100% limit

CB redumption process is simple

If you complete 3 categories of txn you will get 5X bonus in top 2 category

1% reward rate maan k chalo

Con: Bill payment via Paytm , Cheq currently not available

If you want this then

IDFC First Bank WOW credit card

Spearhead Spearhead
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Oh

I use paytm for bill payments as gpay and phonepe give me reason to worry ie pending

Thank u for suggestion will check both of them

Helpful Helpful
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if you shop in more and d mart stores, then apply for grocery and departmental stores cc

standard chartered manhattan credit card 5%

for online shopping, there are so many cc

amazon pay icici 5% for prime members in amazon 

axis flipkart 5% for flipkart shopping

sbi cashback card 5% cb for online spends

Spearhead Spearhead
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Hi thank u for grocery suggestion never knew we have that kind of cards smile

Can u suggest Which is better for online shopping flipkart axis vs sbi cashback?

I heard they devalued the card in one of the discussion here..

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Deal Newbie Deal Newbie
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If you don't have any CIBIL score then FD backed cards are the only option. 

I would suggest IDFC First Bank WOW credit card instead of Onecard bcz IDFC has better reward rate and it starts with as low as 2000Rs (5k for One card). 

Also One card you can get only once in lifetime. So in case you want to use that FD amount then you'll have to close the card and then you can't apply for Onecard (whereas in IDFC you can apply). 

Also IDFC card given 100% of your FD amount as Credit limit and you can also withdraw that amount from ATM with some charges. So for 10k FD, you get 20k to use on a monthly basis(it's not advisable though. Only in case of emergency you should withdraw from ATM). 

I have been building my CIBIL score with IDFC WOW since last 3-4 months. You can dm for any doubts or referral bonus. 

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+KG for your efforts. 
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