Understand who is responsible
Check whether the account is in your name or linked to another person’s account, who receives the bill and who is liable for repayment. Do not assume an add-on card builds an independent credit history.
Start with a manageable limit
Plan spending around money already available for repayment. Set due-date reminders and understand how interest can apply when the full amount is not paid.
Avoid unsafe offers
Use issuer channels and read the application consent carefully. Never pay an unofficial agent or disclose OTPs, PINs or CVV details.
Keep the decision grounded: compare only terms you can confirm in the issuer’s current product page, fee schedule and cardholder terms. FinSmarter does not issue cards or guarantee approval.
For cardholder rights and official regulatory guidance, see the Reserve Bank of India credit-card FAQs and the RBI Master Direction on Credit Cards. Always verify the issuer’s latest terms.