Guidance required for first credit card

Hey guys i am a student 19 year old, k wanted a credit card for credit habits and working in my cibil score
My aim is not chasing cashing backs or rewards or higher limits.

Out of my monthly expenses a part of my payments like fuel or food orders i want to do with credit card to develop that habit
So roughly spend 1-2k on credit card rather then my regular upi
I have 0 credit history and can only do fd

I saw the Kotak 811 dream different card,novio card. I was hoping you guys could probably guide me for a life time free credit card with least amount fd since Kotak needs 10k fd

Posted Jun 13, 2026, 5:25 PM UTC

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