Confused About Which Credit Card to Apply For? Here's What You Need to Know

Are you:

  • Applying for a credit card for the first time?

  • Looking for an additional card?

  • Applying with a low credit score?

If yes, you're probably overwhelmed by the variety of credit cards out there — fuel cards, airline cards, lifestyle cards, and more. With different annual fees, interest rates, credit limits, and eligibility criteria, picking the right card can be confusing. But once you choose the right credit card, you'll see how convenient and rewarding a credit card can be.

Why Getting the Right Credit Card Matters

Your first credit card can have a long-term impact on your financial journey. If chosen wisely, it can:

  • Help you build a healthy credit history

  • Provide short-term credit during emergencies

  • Offer lifestyle benefits like cashback, discounts, or reward points

However, applying for the wrong card — or applying without preparation — can lead to rejection, fees you weren’t ready for, or damage to your credit score.

Two Ways to Apply for a Credit Card

1. Apply Directly Through a Bank

Most banks allow you to apply online or in person. You'll be required to share:

  • Personal details (name, date of birth)

  • Address and ID proof

  • Employment and income documents

The bank will evaluate your application based on its internal credit policy and your credit report before approving or rejecting it.

2. Apply via a Credit Advisory Platform Like CreditMantri

If you're unsure which card suits you or afraid of getting rejected, platforms like CreditMantri can guide you. Based on your credit profile and financial goals, we:

  • Recommend cards you’re eligible for

  • Help you avoid rejections

  • Offer end-to-end support — completely free

This is especially helpful for first-time applicants with no prior credit experience.

No Credit History? Start with a Secured Credit Card

If you’ve never taken a loan or used credit before, banks have no way to judge your repayment behavior — and may reject your application.

A secured credit card is the best starting point in such cases. These cards are issued against a fixed deposit and offer several benefits:

  • High approval chances

  • Low entry barrier

  • Credit score building opportunity

Even if your credit score is low or you’ve faced rejections before, a secured card can help you gradually build or repair your credit profile.

Key Things to Know Before You Apply

1. Check Your Eligibility

Don’t apply blindly. Each card has its own criteria for income, employment type, and credit score. Applying for a card you're not eligible for can lead to rejection — and lower your credit score.

2. Avoid Multiple Applications

Submitting applications to multiple banks in a short span creates multiple “hard inquiries” on your credit report. This lowers your score and signals credit-hungry behavior.

3. Keep Documents Ready and Updated

Ensure all your information is consistent across:

  • PAN and Aadhaar

  • Address proof

  • Income documents (salary slips or ITRs)

Even small mismatches can delay or derail your application.

Know the Costs Involved

Don’t focus only on the rewards and welcome offers — understand the true cost of owning the card:

  • Joining and annual fees

  • Interest charges on outstanding balances

  • Late payment penalties

  • Foreign transaction fees

  • Cash withdrawal charges

Make sure the benefits outweigh the costs based on your spending pattern.

What Banks Look For in a First-Time Applicant

When reviewing your credit card application, banks typically check:

  • Your credit score (or credit history, if any)

  • Your monthly income and job stability

  • Existing loans or credit card usage

  • Whether your fixed obligations are within a safe limit

A clean repayment record and stable income improve your chances significantly.

Once Approved, Use It Right

Getting approved is only the first step. Now it’s up to you to build a strong credit record:

  • Pay your bills on or before the due date

  • Use less than 30–40% of your credit limit

  • Avoid cash withdrawals unless absolutely necessary

  • Set up auto-debit or payment reminders

Responsible usage helps you build a healthy credit score, which can make you eligible for higher-value cards and loans in the future.

Conclusion:

Applying for a credit card for the first time doesn't have to be complicated or risky. By understanding the process, choosing the right product, and avoiding common mistakes, you can get approved confidently — and start building your credit profile the right way.

If you’re unsure where to start, let CreditMantri help. We assess your credit profile, recommend the most suitable card, and guide you through the process — all at no cost to you. It’s the easiest way to avoid rejection and make your first credit card a stepping stone to stronger financial health.