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This paper talks about top five student friendly credit cards available in India with zero or low annual fee with useful features like cash withdrawal, reward points, fuel surcharge waiver, and international acceptance. This is a good option for you, if you are a student looking for credit but also want to earn interests on your fixed deposit.In general the credit limit on these credit cards is up to 80 to 90% of the credit value. You must complete the following criteria to be eligible for this student credit card- Plus, this card provides additional benefits for students as it offers complimentary railway lounge access four times per quarter. The Flipkart Axis Bank Credit Card is one of India’s most popular cashback credit cards. With a credit card, students can earn great cashback and discounts.
Top 6 Student Credit Cards in India Dec 2025
- The BPCL SBI Octane is a premium card with higher fees, while the BPCL SBI Credit Card is more affordable, with a fee of ₹500.
- You can use the Bihar student credit card to fund your study materials, books, and stationery, or even to pay your education fees.
- Despite its annual fee, the card offers many value-added benefits, such as movie and dining deals, free access to domestic airport lounges, and more.
Yes, students can get credit cards from card issuers against student loans, secured credit cards, or add-on credit cards. Read on to find the list of best student credit cards in India. Tell us what are your thoughts on student credit cards in India. Here are a few of India’s government-issued student credit cards.
A credit card would empower students to be financially independent and teach them how to manage their own finances. Being a student, one cannot afford fancy credit cards with high joining fees and monthly income criteria. As a student seeking to create a better credit profile, you should start by applying to a card that is inexpensive, not difficult to qualify and lastly, a card that has the potential to add value to you long term. Selecting the appropriate credit card as a college student plays a big role in shaping up a good financial base and credit history.
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Yes, the minimum age requirement for most credit cards begins from 18 years of age. Usually, only FD-backed secured cards are available for students as unsecured cards require a steady source of income which many students do not have. Is there any credit card for students without FD? Moreover, there are also a few government schemes which offer credit to the students to help them to pursue higher studies through cards like Bihar Student Credit Card and West Bengal Student Credit Card. Student credit cards in India can be availed from top card issuers such as SBI, ICICI & Kotak. If you already have a fixed deposit account, then request the bank to provide you with a secured credit card against it.
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The BPCL SBI Octane is a premium card with higher fees, while the BPCL SBI Credit Card is more affordable, with a fee of ₹500. The series includes the BPCL Octane and BPCL SBI Credit Card, both of which are popular and rewarding cards in India. The Swiggy HDFC Bank Credit Card is one of the most attractive and affordable offerings for youngsters, especially students, in our country. This card offers great rewards for spending at Tata Neu or Tata-owned brands such as BigBasket and Tanishq. Axis Bank also offers a secured version of the Flipkart Axis Credit Card, which can be issued against an FD.
The credit limit of the primary card is shared with the add-on cardholder. Only immediate family members of the primary user can avail add-on cards. This scheme is legitimate for those students who have cleared their intermediate or 12th-grade education from the Bihar Government-run educational institutions but are not able to further pursue the education. Additionally, students appearing or preparing for competitive exams in different fields can also avail the benefits of this scheme. ICICI Bank Student Forex Credit Card is a prepaid card that functions more or less as a credit card. However, this may vary across all credit card providers, and may range up to 100% of the FD value.
Find the perfect credit card in India by comparing the most rewarding options in one place! Whether opting for a lifetime free credit card or one with a fee, it’s essential to pay your bills on time and use it responsibly. On the other hand, it is essential to know how one should use his/her credit card. In today’s era, the young generation, be it students, wants to be financially independent. This would help students pursue higher, graduate, undergraduate, and secondary education easily and quickly without facing a shortage of funds. Building your credit while you are still a student can help you in preparing for the realities of life after your education.
The card issuer will inform you about the credit limit once your application has been approved. The credit limit assigned to mexican restaurant toronto downtown the student varies from case to case. This includes discounts, movie vouchers, dining benefits and sometimes even premium benefits like lounge access. Under this scheme, students can get a loan amount of up to Rs. 4 Lakh at a low-interest rate of 4%.
What is the eligibility for availing Student Credit Card in Bihar?
Upon opting for the BPCL SBI Credit Card, you will receive welcome benefits equal to the joining fee. The IndusInd Legend Credit Card also offers a complimentary domestic airport lounge visit every quarter to provide comfortable experiences for travelers. In addition to the regular reward points, you can earn 4,000 bonus reward points upon reaching the annual milestone spend. This card provides excellent opportunities to earn reward points. Students can also take advantage of the interest-free grace period and freely make better financial choices. These include joining fees, rewards for dining and movies, reward/cashback rates, and redemption fees.
For this, you will need to submit your income documents such as salary slip, ITR, bank statement, etc. Eligibility criteria may differ from bank to bank. The loan amount can be utilized for pursuing education across technical, polytechnic, or general courses.Additionally, you can use the loan amount to fund the purchase of study materials like books, stationery, and a laptop, or to pay the fees. The card is offered at a joining fee of Rs. 499 and annual fee of Rs. 199. Exclusive Card Offers from India’s top banks are just a click away
Since this is a dining-based credit card with no fees, it is most suitable for students. AU Bank LIT Credit Card is one of the credit cards that would be especially appealing to youngsters as it is one of the most customizable cards in India. Student credit cards have a lower interest rate than our daily use of credit cards. Continue reading to find answers to all your queries regarding credit cards for beginners. It’s important to use your credit cards wisely, as all of this affects your credit score. Yes, it is quite advantageous to get a credit card as a student as it not only introduces you to how credit works quite early, but also helps build credit score and history while helping you save through rewards and other perks offered by the credit card.
Currently, you can get this credit card with no annual fee, as it is a lifetime free card offered by IndusInd Bank. The IndusInd Legend Credit Card issued by the bank is a basic card that offers decent features and a good reward structure. Additionally, the card provides cashback benefits on the selected feature. With this card, you can earn more reward points on groceries, movies, and departmental store purchases, which can help students save money on everyday expenses. The SBI SimplySAVE credit card is an excellent option for those who are starting their credit journey.
