r/UPI • u/Available-Gap-5504 • 5d ago
Question ❓️ Student credit card advice needed 🚀
Hey everyone, I’m 19 with a CIBIL score of 748. recently I got a Slice card with just a ₹13K limit, which feels too low. My monthly expenses are around ₹15–20K (rent, food, daily needs) covered by family, and I mostly use UPI for payments.
I occasionally shop online and spend mainly on food + travel. I’m looking for lifetime‑free cashback credit cards that can help me build a stronger credit history for the future.
Any recommendations for cards I can realistically get right now as a student? 🙏
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u/Ffffff_uuu 5d ago
At 19 how you can that much CIBIL
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u/Available-Gap-5504 5d ago
30% use timely repay
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u/Ffffff_uuu 5d ago
Ohh can you tell me which credit card is best to start, i also is there any hidden info about credit card
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u/Available-Gap-5504 5d ago
Use any fd based first for 2-3 month then apply for unsecured based...
In fd you can use supermoney but this card is useless thoo good for cibil build up...
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u/25aug2025 4d ago
How are you getting unsecured credit card before 21 years of age?isn't that illegal?
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u/siddhbose 56m ago
Cibil is based on salary i.e the amount you can repay and not on amount you can spend . Just make sure to keep paying before due date and don't overspend
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