I am looking for my first Credit Card and need help, suggestions and healthy discussions pertaining to anything about Credit Cards
Purpose : My primary purpose of getting a Credit Card is improving my CIBIL Score as I intend to buy a house next 3 years down the line.
Some details : Age 23, Salary is frankly good enough to get any Credit Card, Not an impulsive shopper though Phones are my weakness but in recent times I have been able to curb on it .
My typical online usage : All the routine online payments and big ticket online purchases in my household I intend to route it through my account .
Typical Payments: Mobile Bills( Courtesy Jio has reduced drastically ) , Electricity Bills, Internet Bills , Online Grocery Shopping, Restaurants ( Fast Food Joints and Stuff maybe once every week or fortnigh) , BMS maybe once a month and rest Electronics and Apparel Shopping and Vacations/Getaways and sometimes online medicines too ( non-frequent but worth mentioning )
Max to max intend to spend lets say 6k to 8k a month using the card inspite of all the above mentioned purchases and its after keeping a buffer margin . A big shopping like a Phone or some other heavy electronics or a trip may increase my spending in some of the months.
Payments : I am no way intending to improve my current Lifestyle or living standards its only that I want to improve upon my CIBIL Score so all the payments would be made in time/within the due date .
I have been approached by Citi for Premium Platinum Rewards cards and have yet to give them a consent on the same. First year is free and then from next years fees will be waived if spends cross 30k a year . I have also read about the HDFC Diners Club card so confused which one should I opt for keeping in my above shopping needs
I have read almost all the previous threads on this topic and have created a new one as the threads with the most information are atleast an year old . Tagging all the dimers whom I feel are relevant to discussion in the next post .