My little brother started his first job this month and I wanted to give him something useful rather than a gadget or a watch
So I opened a small fixed deposit in his name and helped him get the first earn credit card from IDFC Bank - a friend had told me about it recently. The card is designed for people who are just beginning their credit journey and can be obtained against a relatively small FD.
It felt like a nice way to introduce him to credit in a measured, low-stress way. We ended up having a longer conversation about how banks look at your financial track record, and how the habits you build in your first job can quietly shape a lot of future decisions.
As an older brother, I’ve realised that financial literacy is one of the most valuable things you can pass on. The earlier someone understands it, the better.
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