First CC for a newly salaried government employee? Please suggest brands and card names.

[Nishan11]

But even if we get the invite, will they approve Apay for a person with no cibil score ??(i myself in similar situation, govt employee with no credit history and from a tier 3/4 town. )

I am also State govt officer in Chhattisgarh secretariat. I had no credit history.

So Few years back, I took small loan from bajaj finance to buy AC. It takes 6 months to generate cibil then you can preclose the loan, negotiate before about charges or you can take loan for 8 months & close after 8 months.

Once CIBIL got generated I applied for SBI SimplyClick offline & it was approved. Then after 6 months of using SBI card, I applied for Amazon pay ICICI card from Amazon. It got approved too.

Then started applying card on salary or C2C basis.

So like this keep building your CIBIL & credit card portfolio.

you gotta start your journey with some planning & patience.