Selecting your first credit card? Prioritize a card with no annual fee, a low-interest rate, and perks that match your needs. Start with a card suited for beginners or fair credit. Focus on building good credit habits and choose a card that reports to major credit bureaus. Compare terms, fees, and rewards to find the best fit for your financial goals and spending habits.

To avoid relying on minimum payments for credit card debt, prioritize paying more than the minimum each month. Create a budget to allocate additional funds to debt repayment. Consider transferring balances to a lower-interest card, if possible. Cut unnecessary expenses and increase your income to accelerate debt payoff. Developing a proactive repayment strategy helps prevent accumulating interest and pays down the debt faster.

To make the most of credit card reward points, start by understanding your card's rewards program. Accumulate points with every purchase and choose a card that aligns with your spending habits. Redeem points for cashback, travel, or merchandise based on your preferences. Maximize your rewards by paying your balance in full and on time, avoiding unnecessary fees, and staying updated on special promotions.

The IndusInd Bank Legend Credit Card offers many exclusive features and benefits. Cardholders enjoy complimentary airport lounge access, travel and lifestyle rewards, concierge services, and golf privileges. The card also provides insurance coverage, dining privileges, and cashback offers. With its exceptional rewards program and premium services, the Legend Credit Card is ideal for those seeking luxury and convenience.

A good credit score typically falls in the range of 700 to 749 or higher, depending on the scoring model. To build a good credit score, make timely payments on credit accounts, keep credit card balances low, avoid opening too many new accounts, and monitor your credit report for errors. Consistently responsible credit behavior over time can help improve and maintain a good credit score.

The Flipkart Axis Bank Credit Card is a co-branded credit card offering exclusive benefits for Flipkart shoppers. Cardholders can earn rewards points on their Flipkart purchases and avail discounts on partner platforms. It also provides fuel surcharge waivers and complimentary airport lounge access. However, it may have an annual fee and is best suited for frequent Flipkart users who want to maximize their shopping rewards.

When choosing your first credit card, consider factors like your credit score, annual fees, interest rates, rewards, and spending habits. Look for a card that suits your needs and has no or low fees, a manageable interest rate, and rewards that align with your lifestyle. Start with a basic card and build your credit before exploring more complex options.

Credit card companies prevent fraud and protect customers through advanced security measures. These include real-time transaction monitoring for unusual activity, two-factor authentication, EMV chip technology for secure in-person payments, and machine-learning algorithms that identify patterns of fraudulent behavior. Additionally, they offer zero-liability policies, encryption of sensitive data, and regular account activity notifications to ensure customer safety and peace of mind.