Know Your Credit Score: Understanding your credit score is crucial before applying for a credit card, with a good score being above 750.

Annual Fee: Be aware of the annual fee associated with the credit card you choose, as it can vary and affect the overall value.

Credit Limit: The credit limit is the maximum amount you can borrow on your card, and it should align with your financial needs and discipline.

Interest Rates: Compare interest rates of different credit cards to ensure they fit your budget and financial goals.

Rewards Program: Consider the rewards program offered by the card, whether it's cashback, points, or miles, and make sure it aligns with your lifestyle.

Additional Benefits: Look for additional perks like travel insurance, airport lounge access, and cashback on fuel purchases that can enhance the card's value.

Start with a Low Credit Limit: If you're a first-time user, begin with a low credit limit and gradually increase it to avoid overspending.

Building Credit: If you don't have a credit score, start building it by taking small loans or opening a fixed deposit account.

Interest-Free Period: Check the interest-free period offered by the card issuer, as it determines how long you have to repay without incurring interest charges.

Budget and Needs: Consider your spending habits, lifestyle, and financial goals to choose a credit card that suits your specific needs and budget.