Which is the first credit card to get after getting a job?

Which is the first credit card to get after getting a job? जॉब लगाने के बाद पहला क्रेडिट कार्ड कोनसा ले  

Which is the first credit card to get after getting a job: (₹25,000) की सैलरी में आसानी से मिलने वाले क्रेडिट कार्ड्स की लिस्ट नीचे दी गई है। इन कार्ड्स के विशेष लाभ और प्रमुख फीचर्स भी शामिल किए गए हैं। इनमें से अधिकांश बैंक सामान्य शर्तों के तहत इनकम स्लैब में कार्ड उपलब्ध कराते हैं।

1. SBI SimplySAVE Credit Card

• Benefits:
  • 10x Reward Points on dining, movies, grocery, and department store spends.
  • Annual Fee: ₹499 (reversed on spending ₹1 lakh per year).
  • Fuel surcharge waiver of 1% (for transactions between ₹500 to ₹3000).
• Specialty:
  • Easy approval with minimal income requirements.
  • Rewards for daily spending.

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2. HDFC MoneyBack Credit Card

• Benefits:

  • 2 Reward Points for every ₹150 spent.
  • 4X Reward Points on online spending.
  • Annual Fee: ₹500 (waived off on spending ₹50,000 per year).
  • Reward points can be converted to cashback.

• Specialty:

  • Focused on online shopping and cashback benefits.

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3. Axis Bank Neo Credit Card

• Benefits:
  • 10% discount on movie tickets through BookMyShow.
  • 10% cashback on partner online merchants like Myntra.
  • Annual Fee: ₹250 (reversed on ₹2,500 spent within 45 days).
  • Discounts on food delivery and shopping.
• Specialty:
  • Ideal for frequent online shoppers and movie-goers.

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4. ICICI Platinum Chip Credit Card

• Benefits:

  • 2 PAYBACK Points for every ₹100 spent on retail transactions.
  • No joining fee.
  • No annual fee if minimum spend threshold is met.
  • 1% fuel surcharge waiver.

• Specialty:

  • Contactless card technology for easy payments.
  • Low maintenance with no joining fee.

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5. Kotak 811 #DreamDifferent Credit Card

• Benefits:

  • Lifetime free credit card.
  • Rewards for every ₹100 spent.
  • Fuel surcharge waiver of 1%.
  • No joining or annual fees.

• Specialty:

  • Completely free with no annual charges.

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6. IndusInd Bank Platinum Aura Edge Credit Card

• Benefits:
  • 4 Reward Points for every ₹100 spent on dining, entertainment, and utility bills.
  • Free roadside assistance.
  • Annual Fee: ₹500.
• Specialty:
  • Rewards for daily expenses.
  • Complimentary insurance coverage.

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7. RBL Bank Platinum Maxima Card

• Benefits:
  • 8,000 reward points on annual fee payment.
  • 5% cashback on utility bills and fuel.
  • Annual Fee: ₹2,000 (waived on high annual spending).
• Specialty:
  • High reward point accumulation.
  • Ideal for frequent fuel and utility bill payments.

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8. Yes Bank Prosperity Edge Credit Card

• Benefits:
  • 6 reward points on grocery and dining.
  • Annual Fee: ₹1,199.
  • Airport lounge access.
  • Complimentary insurance coverage.
• Specialty:
  • Airport lounge access and insurance benefits for regular travelers.

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9. Bank of Baroda Easy Credit Card

• Benefits:
  • 1 reward point for every ₹100 spent.
  • Fuel surcharge waiver of 1%.
  • Lifetime free card with no joining or annual fee.
• Specialty:
  • No annual fees, easy approval.
  • Good for beginners with low income.

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10. Canara Bank Classic Credit Card

• Benefits:
  • No annual fee.
  • 1 reward point for every ₹100 spent.
  • 0.5% cashback on utility bills.
• Specialty:
  • Suitable for salaried individuals with basic credit needs.
  • Lifetime free card.

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Tips for Approval:

• Maintain a good CIBIL score (ideally 700+).
• Apply with your salary proof or banking relationship.
• Cards from public sector banks like SBI and Bank of Baroda generally have lower income criteria.

This list should provide you with several options to choose from, based on your spending preferences and eligibility.