Best Credit Cards for Students in India 2025 : Are you a student in India managing your expenses, shopping for textbooks online, or facing unexpected costs? Without a credit history, handling finances can be challenging. Don't worry Student credit cards are here. They can help you build credit, earn rewards, and offer convenience.
In this article we will guide you which is the best student credit card in India? also compare the top 5 student credit cards in India and choose the best one easily.
Why Should Students Get a Credit Card?
A student credit card is a great way to manage finances and build a strong credit score early in life. Here’s why you should consider getting one:
✅ Builds Credit History – Helps you get loans in the future.
✅ Financial Independence – Manage personal expenses without asking parents.
✅ Emergency Backup – Useful for urgent travel, medical needs, or study materials.
✅ Rewards & Cashback – Discounts on shopping, food, travel, and online courses.
Related Read: How to Improve Your Credit Score as a Student
Factors to Consider Before Choosing a Student Credit Card
Before applying for a student credit card in India, check for these key factors:
🔹 Zero or Low Annual Fees – Look for cards with no annual charges.
🔹 Easy Eligibility – Some cards require a fixed deposit (FD), while others need only student proof.
🔹 Cashback & Discounts – Choose a card that gives rewards on food, shopping, and education.
🔹 Mobile App Support – A good credit card should have an app for easy management.
🔹 Interest Rates – Lower interest rates help in case of late payments.
Top 5 Best Student Credit Cards in India (2025)
We’ve reviewed several student credit cards and picked the best 5 options based on their benefits, fees, and eligibility.
1. SBI Student Plus Advantage Card
✔ Best for: Students with an SBI Fixed Deposit
✅ Key Features:
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No annual fees if you use the card regularly.
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Reward points on every purchase (convert into cashback).
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Fuel surcharge waiver at petrol stations.
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Global acceptance – Use it in India and abroad.
📌 Eligibility:
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Must be a student with an SBI fixed deposit (FD).
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Minimum age: 18 years.
💰 Fees:
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Annual fee: ₹500 (waived if spending limit is met).
2. HDFC Bank ISIC Student Forex Plus Card
✔ Best for: International students & travelers
✅ Key Features:
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Comes with an International Student Identity Card (ISIC).
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Discounts on travel, food, and online courses.
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No forex markup fee on international transactions.
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Chip-secured for safe payments.
📌 Eligibility:
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Must be a student aged 18+ with proof of admission.
💰 Fees:
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Issuance Fee: ₹500.
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Reload Fee: ₹75 per reload.
3. ICICI Bank Student Travel Card
✔ Best for: Students studying abroad
✅ Key Features:
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Supports multiple foreign currencies.
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Free ATM withdrawals in international locations.
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Travel insurance included for added security.
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Great exchange rates for students studying abroad.
📌 Eligibility:
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Proof of admission in a foreign university.
💰 Fees:
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Issuance Fee: ₹499.
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Reload Fee: ₹100 per reload.
4. Axis Bank Insta Easy Credit Card
✔ Best for: Instant approval without income proof
✅ Key Features:
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No income proof required – Just an Axis Bank Fixed Deposit (FD).
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Instant digital approval.
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Purchase protection for online shopping.
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Convert large purchases into EMIs.
📌 Eligibility:
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Must have a fixed deposit with Axis Bank.
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Minimum age: 18 years.
💰 Fees:
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Annual fee: ₹0.
5. Kotak 811 #DreamDifferent Credit Card
✔ Best for: Students who shop online frequently
✅ Key Features:
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Lifetime free credit card with no annual fees.
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Instant digital approval.
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Cashback & discounts on food, shopping, and travel.
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No paperwork required if you have a Kotak 811 account.
📌 Eligibility:
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Must have a Kotak 811 account.
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Age: 18-35 years.
💰 Fees:
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Annual fee: ₹0.
How to Apply for a Student Credit Card in India?
Applying for a student credit card in India is easy. Follow these steps:
1️⃣ Choose the right card – Compare features & benefits.
2️⃣ Check eligibility – Some cards require FD, while others need only student proof.
3️⃣ Prepare documents – Aadhar card, PAN card, student ID, and address proof.
4️⃣ Apply online or visit a bank branch – Most banks offer instant digital approval.
5️⃣ Activate & start using – Make timely payments to build credit.
Tips to Manage Your Student Credit Card Wisely
🔹 Pay your bills on time to avoid late fees & improve your credit score.
🔹 Keep track of your spending – Don't overspend beyond your limit.
🔹 Avoid cash withdrawals – High interest rates apply.
🔹 Use the card for essential expenses only.
Conclusion
Choosing the best credit card for students in India depends on your needs. If you want a free card with rewards, go for Kotak 811 #DreamDifferent Card. If you’re studying abroad, the ICICI Student Travel Card is a great option. Whatever you choose, use your credit card responsibly to build a strong financial future.
FAQs (Frequently Asked Questions)
1. Can I get a credit card as a student without income?
Yes, many banks offer credit cards against fixed deposits, so you don’t need an income.
2. What happens if I miss a credit card payment?
You’ll have to pay late fees and it can lower your credit score.
3. Which student credit card has no annual fee?
Kotak 811 #DreamDifferent and Axis Bank Insta Easy Credit Card have zero annual fees.
4. Can I increase my credit limit as a student?
Yes, banks may increase your limit based on usage & payment history.
5. How can I check my student credit card application status?
Visit the bank’s official website and enter your application reference number.
