PNB Credit Card is good for improving u r cibil record and even better for people who have annual salaried income with minimum 100000 Rupees with these requirement u can get pnb global classic card with limit 20000 and u can improve u r cibil and its has option to convert u r amount in to emi plan for 6 months only and a negative point for me is that like other big credit card u cannot choose emi with credit card in shopping site you have to choose manually with processing charge.