Best Credit Card For Students With No Income 30+ in India: If you are a student and you are thinking of getting a new credit card then you are reading the right article where we will give you Best Credit Card In India For Students, Top Student Credit Cards In India, Best Credit Card For Daily Will inform about the Credit Card List 2024 to be used for use. So you must read this article till the end.
Best Credit Card for Studetns In India
If you are a student or you are just thinking of getting your new credit card, or you want to build your credit score, credit history, then you can apply for a credit card without any joining fee on minimum documents. can take. At present, some finance companies and banks are offering Basic Credit Card offers for students, with the help of which you can get the best discount offers by using the credit card for your education work. Let’s know about these credit cards.
Credit Card For Students With No Income in India
Here we have given the list of top credit card student in India 2023, where you may have to pay the joining fee of these credit cards from ₹ 250 to ₹ 1000, let’s know about student credit cards, which you can easily Can apply online.
- SBI Student Plus Advantage card
- Axis Bank Insta Easy credit card
- ICICI Bank Student Travel card
- HDFC Bank’s ISIC Student ForexPlus card
- HDFC Multi-currency Platinum ForexPlus Chip card
- Axis Ace Credit Card
- SBI SimplyCLICK Credit Card
- Flipkart Axis Bank Credit Card
- HSBC Cashback Credit Card
- Citi Cashback Credit Card
- Amazon Pay ICICI Credit Card
- HDFC MoneyBack Credit Card
- YES Prosperity Rewards Plus
- Standard Chartered Platinum Rewards Credit Card
- RBL Monthly Treats Credit Card
Documents required to get student credit card
To avail the student credit card, the applicant must have taken admission in a college, apart from this the following documents will be required.
- Pan card
- Residential address proof
- Birth certificate
- College enrollment proof
- College identity card
- 2 passport size photographs
Student Credit Card: Eligibility
- The minimum age limit to avail this card is 18 years.
- The applicant must be enrolled in a college.
- As for the documents required, to be eligible to apply for the credit card, you will need ID proof, address proof, birth certificate, college ID, two passport size photographs.
Note : Always keep this in mind, regardless of the student credit card you choose, make sure to use it with caution. Make sure that you repay the entire amount every month so that you do not pile up your debt. A student credit card can be extremely beneficial if you stick to a budget and pay your dues on time. It helps to build your credit score, credit history, civil score.
How Can a Student Apply for Credit Card in India
- Student credit cards are the latest entrants in the credit card industry to help college students manage their expenses. However, not all students are eligible to receive a student credit card.
- Various banks and financial institutions have come up with a different set of eligibility criteria for issuing student credit cards. Only those who meet the criteria will be eligible to apply for the credit card.
- Whereas some banks like State Bank of India provide credit cards only to their education loan customers.
- Not all banks follow the same procedure. Therefore, it is imperative to speak to the bank individual about the bank-specific process of applying for a student credit card.
- While some banks allow you to apply online, others may require you to visit the bank branch and submit the application directly.
Student Credit Card Options Available In India
| Credit Card | Annual fee | Best for these expenses |
| Amazon Pay ICICI Credit Card | Nil | cash back online shopping |
| Axis Ace Credit Card | Rs. 499 | cash back |
| Axis Bank Insta Easy credit card | Nil | shopping online |
| Citi Cashback Credit Card | Case to case | Cash Back, Travel & Lifestyle |
| Flipkart Axis Bank Credit Card | Rs. 500 | cash back online shopping |
| HDFC Bank’s ISIC Student ForexPlus card | Rs. 300 plus | shopping online |
| HDFC MoneyBack Credit Card | Rs. 500 | reward points |
| HDFC Multi-currency Platinum ForexPlus Chip card | Rs 175 per card | Air travel |
| HSBC Cashback Credit Card | Rs. 750 | cash back |
| ICICI Bank Student Travelcard | Rs. 499 | Shopping & Travel |
| SBI SimplyCLICK Credit Card | Rs. 499 | Shopping, Travel & Movies |
| SBI Student Plus Advantage card | Nil | Reward Points, Cash Back |
| Standard Chartered Platinum Rewards Credit Card | Rs. 250 | cash back, |
| YES Prosperity Rewards Plus | Rs. 499 | reward points |
My Last Word:
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Students Credit Card – FAQ’s
Q1. Can I get a student credit card without a job?
Ans- A student can apply for student credit card if he/she is not working. A primary credit card may be given depending on the spending habits of the student.
Q2. How much income do you need for a student credit card?
Ans- Since the students would ideally not have an income, banks have introduced student credit cards which are exclusively for students and would not require any income source. Application for a credit card for a student can be made against an existing fixed deposit account.
Q3. Can a student hold multiple student credit cards?
Ans- A student cannot hold multiple student credit cards as he will not have an active credit score and will be given one credit card against the pre-existing fixed deposit.
Q4. How do I check the status of my student credit card?
Ans- If applied for add-on credit card then you can check the credit card status by logging into the net banking account of the primary cardholder. Apart from this, students can also call the credit card customer care of the bank to inquire about the status.