To get an instant credit card, you must apply online, but choosing a credit card for the first time is a little difficult. The following points must be considered when you are choosing a credit card for the first time: ●  Check annual fees and other charges ●  Check the maximum credit limit ●  Check the latest offers available on the credit card ●  Check the payment options available ●  Check the rate of interest charged on the balance amount ●  Check the cash withdrawal charges