u/Jaded-Inside-2837

I am in my final year of college and want to build my credit score, and I don't have any cibil right now.

I need a good fd backed credit card with good reward points, i usually use cards for online shopping, diners, cafes.

Minimal annual fees won't be an issue, 0 - 1000.

Credit limit - minimum 40,000

I want to create my cibil and get it to a decent number, as I'm thinking of moving abroad for masters next year, and will require a loan of a few lakhs.

Current cibil : nil

Age: 22

Monthly income and employment: awaiting joining dates

Monthly expenses and spending : 20k - 40k, online shopping, food, grocery, etc

Reward : cashback and then points