Are you getting your First Credit Card? The feeling must be very empowering and elating. You might already be thinking about all the extra reward points and discounts that you can get on online shopping websites. Yes, you can impress your friends by brandishing your card when they are still fiddling around with cash!

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1. Pay Credit Card dues in full and on time.

This is the basic and most important rule of Credit Cards. Do not use a Credit Card as a debt instrument but only as a payment mode. Consider it as a kind of cash replacement, not as a way to get easy money.

2. Keep track of your card limit and card cycle.

Always check your Credit Card's available limit after every transaction. If you have not made any spending in a given week, still check your available credit limit every Sunday.

3. Do not ever use your Credit Card to withdraw money

A Credit Card is meant for cashless transactions. It does allow you the feature to withdraw cash, but the interest and charges related to Credit Card cash withdrawals are extremely high.

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4. Choose the card based on your spending pattern.

Almost all Credit Card issuers have different card products. Choose if you need a Rewards Card, a Fuel Card, or a Travel Card. Citibank Rewards Credit Card offers one of the best rewards programs, but if you are not looking into rewards but instant savings, you should choose a cashback card like Citibank Cashback Credit Card.

5. Choose a lifetime free Credit Card as your first card.

When you are learning the Credit Card basics, it is important to have a card with the minimum number of commitments possible. The best approach is to start with a lifetime free Credit Card because the level of spends you will be making on the card does not justify that you pay any fee for the card.

6. Do not jump on card upgrades or limit increases.

Once you have used the card for the first year with no defaults, the bank will be keen to offer your limit increase or a card upgrade. It is best to avoid taking card limit increase for the first 2-3 years unless you have received a significant income boost. Also, be mindful of the card upgrades.