Welcome 😁..
Use card don't think about it much .if ur limit is low .. after 6 month mail axis ur itr or salary..
& U can call customer care & get axis iocl even if ur limit is 15k .. and use rupay upi 👍
Enjoy don't stress about cibil .
It will be generated post 1st month bill .and one month later in cibil it will be reported
Anything more than 750 is good.
Never miss payments..
& Don't go for emi initially.