Best Student Credit Cards in India 2025 – Top 5 Picks

You might be working as a salaried person or maybe have a business, but still find it difficult to manage your finances. Now, imagine how a college-going student manages their regular expenses because they don’t have a fixed source of income, and they mainly depend on their pocket money or some side hustle. Credit cards can be very helpful when times are hard. Many of you don’t know it, but yes, there are credit cards for students. The purpose of this blog is to inform students about credit cards and assist them in locating the best student credit cards available in India in 2025. 

Benefits of student credit cards

Students who intend to apply for a student credit card are eligible for the following advantages:

• Once you get a student credit card, you can start developing your credit history for future loans and good financial services. You can establish a solid credit history and score with the use of a student credit card.
• If you spend on your birthday, shopping, dining, or traveling, you get to earn rewards.
• Using a credit card at an early age helps you make good financial decisions and makes you understand the concept of financial responsibility.
• These cards offer travel benefits like a discount on flight/hotel booking, free lounge access, insurance, etc.
• If any unwanted situation occurs where you need additional funds, then a student card is of great use.

Credit Card for Students

1. IDFC First WOW Card: 

• You can earn up to 7.5% interest on your FD using this card.
• A 100% credit limit of your FD value is granted to you.
• Free insurance of your credit against scams, frauds, and theft.
• Earn 4X reward points on your expenses.
• 48 days of interest-free credit period.

2. ICICI Bank Student Forex Prepaid Card

• Perfect card for students studying abroad.
• Get a complimentary SIM card.
• Free Uber voucher worth Rs 500.
• Get 20% off on the DHL courier facility.
• Insurance worth Rs 5 lakh on card theft/loss.

3. Kotak 811 #DreamDifferent Credit Card

• Upon joining, get 500 reward points
• Earn 2x reward points on online purchases
• Obtain 90% of your FD amount's credit limit.
• 45 days of interest-free cash withdrawal.
• Book rail tickets through the IRCTC app or website and waive up to 2.5% railway surcharge.

4. West Bengal Student Credit Card

• The West Bengal government credit card scheme for students in secondary, higher secondary, graduation, and other certified courses. 
• All public, private, and co-operative banks offer this credit card scheme in West Bengal.
• Loans for students are available up to Rs 10 lakh.
• The loan's term may be as long as 15 years.
• Interest rate is as low as 4% p.a.

5. Bihar Student Credit Card Yojana

• A credit program designed to help Bihar students pay for their higher education.
• A student can get a loan of up to 4 lakhs.
• Interest rate is as low as 4% p.a.
• Interest rate for women, the physically challenged, and transgender individuals is 1%. 
• Purchase study material with this credit.

Student credit card eligibility

As students don’t have a stable income or employment, the eligibility criteria for them are different from those who are employed. In order to be eligible for a student credit card, you need to:

• Age above 18 years
• Must be an Indian Citizen
• Should have an FD 
• Should be a student

For government credit cards, check the state’s govt official website for more information on eligibility criteria.

Documents required for a student credit card

The document requirements for students are slightly different from those who are employed. For a student credit card, the following documentation is required:

• Identification ID
• Address Proof
• College ID
• Birth Certificate
• A few passport-size photographs

How to obtain a student credit card?

There are two ways for students to get a credit card:

1. Credit Card Against Fixed Deposit: Many banks offer a credit card against a fixed deposit. Your credit limit may be the full amount of the FD or just a portion of it when you get a credit card against the FD.
2. Add-on credit cards: Banks offer this add-on card facility to their credit card customers, in which they can add their family member to use the same card. The card fees, limit, and everything about the card are for the primary holder, and it's up to the primary holder with whom they want to share the card benefits.

Also Read:- Best Travel Credit Cards in India 2025 – Top Rewards

Student credit card application process

If you’re a student and don’t know how to apply for a get card, then here’s the help that you need:

• For add-on cards: the day you turn 18 years, you can ask your family member to request the bank to begin the add-on member facility on their credit card and get you added on the same card.
• In order to apply for a credit card against a fixed deposit, you must first open a fixed deposit account with the bank. If you already have one, you may then ask the bank to give you a credit card against the fixed deposit.

Bottom Line

In summary, student credit cards are useful for college-going students because they can manage their finances easily and have financial freedom. Private banks, as well as some state governments, offer student credit cards to help them pursue higher education and fulfill their requirements while studying. 

Frequently Asked Questions? (FAQs)

How can I get a student credit card in India with no credit history?

As students usually do not have a stable source of income and employment therefore they do not have a credit history. Hence, getting a student credit card is easy because the eligibility criteria are quite simple and don’t require much. 

How to apply for a student credit card in India with no income?

You can either apply for an add-on credit card or a credit card against a fixed deposit. For an add-on credit card, ask your family member to request that the bank grant you the credit card under their credit card. For a credit card against a fixed deposit, open a fixed deposit in a bank and ask the bank to offer you a card against it.

Is a fixed deposit mandatory for a student credit card?

Well, mostly banks do ask for the FD to issue a credit card for students, but if you have a stable income, then the bank can issue a credit card without a fixed deposit.