Student Credit Card in India – Top 8 Cards To Apply 2023

Best Student Credit Card in India – Are you a college student in India looking to make the most out of your college years? A great way to do this is by taking advantage of the top 8 student credit cards in India. With these cards, you can enjoy great rewards, discounts, education benefits, and offers that can help you save money and make the most of your college years.

This article will provide you with a comprehensive overview of the top 8 student credit cards in India. We will discuss the features, benefits, and drawbacks of each card so you can make an informed decision. With the right credit card, you can enjoy rewards, discounts, and other perks. So, read on to discover the top 8 student credit card options in India for 2023.

Table of Content

The Overview of Student Credit Cards in India

Student credit cards are an important financial tool for college students. They offer the chance to build a credit history, which is essential for future financial success. Student credit cards can also provide access to rewards and discounts, and help students manage their finances.

Having a student credit card is a great way to build a credit history. When you use a student credit card responsibly, you can establish a good credit score. This is important for future financial success, as it will help you qualify for loans, mortgages, and other important financial products

When it comes to student credit cards, India offers a wide range of options. These cards are designed to help students manage their finances and build their credit history. With so many options available, it can be difficult to decide which one is right for you. To help you make the right choice, here is an overview of the top eight student credit cards in India for 2023.

The List of Top 8 Student Credit Cards In India 2023

#Credit CardCredit LimitAnnual FeeInterest RateKey Benefits
1HDFC MoneyBack Credit CardUp to INR 2 lakhINR 500 (Waived off on spending INR 50,000 in a year)2.99% per monthCashback on select categories, interest-free period of up to 50 days
2SBI Student Plus Advantage CardUp to INR 25,000NIL2.5% per monthReward points on transactions, eDGE Loyalty Rewards points on spending at partner outlets
3ICICI Bank Instant Platinum Credit CardUp to INR 1 lakhNIL2.49% per monthZero annual fees, fuel surcharge waiver, reward points on transactions, complimentary access to airport lounges
4Axis Bank Insta Easy Credit CardUp to INR 20,000NIL2.5% per monthZero annual fees, fuel surcharge waiver, reward points on transactions, free access to dining offers under the Dining Delights program
5Kotak 811 #DreamDifferent Credit CardMinimum credit limit amount at Rs. 9,000NIL3.50% per monthZero annual fees, fuel surcharge waiver, reward points on transactions, complimentary accident insurance cover
6West Bengal Student Credit CardLoan Up to INR 10 lakh And Up to INR 20 lakh for education abroad NIL4% per annumLow-interest rate, long repayment tenure, no collateral required, flexible loan repayment options
7Bihar Student Credit CardUp to INR 10,000 With Loan Up to 4 lakhNIL4% per annumLow-interest rate, long repayment tenure, no collateral required, flexible loan repayment options
8IDFC First WOW Credit Cardminimum deposit of ₹2,000NIL9.9% per yearEarn 7.75% interest on FD & 4X Reward Points on Credit Card spends

HDFC Bank Credit Card For Student

Student Credit Card

If you are a part-time student, and have a regular source of income from a job and business, you can apply for more HDFC Credit cards, HDFC MoneyBack credit cards could be one of the best for you.

The HDFC MoneyBack Credit Card for Students is a great way to unlock benefits and rewards. This card offers students exclusive discounts and cashback on purchases, as well as a host of other benefits including a fuel surcharge waiver, easy EMIs, and more. It also offers an interest-free period of up to 50 days.

With this card, students can enjoy a hassle-free shopping experience and make the most of their hard-earned money. So, if you are a student looking for a credit card, the HDFC MoneyBack Credit Card for Students is a great option.

But If you are A Full-Time Student and Do not have any credit history or source of income, you can get HDFC Add-On credit cards from your parents.

Key PointsDetails
Annual FeeINR 500 (Waived off on spending INR 50,000 in a year)
Interest Rate3.5% per month
Credit LimitUp to INR 1.5 lakh
Welcome BenefitE-voucher worth INR 500 on the first transaction
Reward Points2 reward points per INR 150 spent, 50% more reward points on dining and grocery

SBI Student Plus Advantage Card

The SBI Student Plus Advantage Card is an excellent choice for students who want to make the most of their money. With a range of benefits and features, this card can help students save money, earn rewards, and make their lives easier. With its competitive interest rates, generous cashback offers, and flexible repayment options, the SBI Student Plus Advantage Card is an ideal choice for students looking to manage their finances more effectively.

Key PointsDetails
Credit LimitUp to INR 25,000
Annual FeeNIL
Interest Rate2.5% per month
Reward Points1 reward point per INR 100 spent
eDGE Loyalty Rewards Points2 eDGE Loyalty Rewards points per INR 100 spent at select partner outlets

ICICI Bank Instant Platinum Credit Card

ICICI Platinum Credit Card

The ICICI Bank Instant Platinum Credit Card for Students is the perfect choice for students looking to unlock the benefits of a credit card. It could be one of the good Student credit cards against fixed deposits. With a range of features including no annual fees, low-interest rates, and an array of rewards, this card is the way for students to manage finances and make the most of their money.

With its secure payment gateway, flexible repayment options, and 24/7 customer support, the ICICI Bank Instant Platinum Credit Card for Students provides a safe and convenient way to manage your finances.

Key PointsDetails
Annual FeeNIL
Interest Rate3.50% per month
Credit LimitUp to INR 1 lakh
Joining FeeNIL
Instant IssuanceInstantly issued to pre-approved customers
BenefitsNo annual fee, complimentary airport lounge access, fuel surcharge waiver

Axis Bank Insta Easy Card

Axis Bank Insta Easy Credit Card offers an array of benefits to its users. It is a fixed deposit-based credit card that allows you to unlock various benefits such as cashback, reward points, and more. With this card, you can get access to a wide range of services, such as online shopping, travel, and entertainment.

It also offers a low-interest rate, making it a great choice for those looking to save money. With the Insta Easy Credit Card, you can enjoy a hassle-free experience and enjoy the benefits of a fixed deposit-based credit card.

Key PointsDetails
Annual FeeNIL
Interest Rate8.5% per annum
Credit LimitUp to 80% of the fixed deposit amount
Joining FeeNIL
Rewards ProgramNot applicable
Minimum Fixed Deposit AmountINR 20,000

Kotak 811 #DreamDifferent Credit Card

The Kotak 811 #DreamDifferent Credit Card for Students is designed to help you manage your finances better and give you access to exclusive rewards and benefits. With this card, you can enjoy a range of features such as zero annual fees, low-interest rates, and a host of cashback and reward points.

The Credit Card for Students also offers a range of exclusive benefits that can help you save money and make the most of your money. With this card, you can enjoy exclusive discounts on shopping, dining, entertainment, and more. You can also get access to exclusive offers and deals from top brands.

Key PointsDetails
Annual FeeNIL
Interest Rate3.5% per month
Credit LimitUp to INR 1.25 lakh
Joining FeeNIL
Welcome BenefitsFlat 10% discount on first transaction on select e-commerce websites

West Bengal Student Credit Card

West Bengal Student Credit Card provides students with access to a range of financial services, including credit, savings, and insurance. With this card, students can access the funds they need to pay for their education, purchase essential items, and even invest in their future.

Under this Scheme, it allows students to get education loans of up to INR 10 lakhs to pursue higher education in India or abroad. which you can repay in easy monthly installments over a period of 15 years with interest rates of up to 4%.

it could be another best Student credit card in Bengal. it is quite a beneficial card for you to pay for tuition fees, hostel fees, books, equipment, and other related expenses.

Bihar Student Credit Card

The Bihar Student Credit Card is a unique financial instrument created to help students in the state of Bihar, India, to access funds for their educational needs. The card is designed to provide students with access to credit to help them pay for their tuition fees, books, and other educational expenses.

Under this scheme, students can avail of interest-free loans of up to INR 4 lakhs to pursue higher education. Moreover, you can repay in easy monthly installments over a period of 5 to 7 years.

it is one of the best credit cards for students in Bihar State.

For Full Detailed Review – Bihar Student Credit Card Scheme – Eligibility, Status, Apply

IDFC First WOW Card

The IDFC FIRST WOW Credit Card Against Fixed Deposit is a great way to get access to credit without having to pay any interest. This card provides you with a fixed deposit that you can use to make purchases. You can use this deposit to make purchases up to the amount of your fixed deposit. This means that you can use the card for purchases without having to worry about interest rates.

it allow to get benefits of Earn 7.75% interest on FD & 4X Reward Points on Credit Card spends. Moreover, you can apply for the card with any credit history and income proof required. you can apply for the FIRST WOW! Credit Card today with minimum deposit of ₹2,000.

It could be one of the best Student Credit card in India to get 4X Rewards on Shopping.

Benefits of Student Credit Cards in India

BenefitsDescription
Building a Good Credit ScoreA student credit card is a great way to start building a good credit score. When you use a student credit card responsibly and pay your bills on time, you can start to build a good credit score. This will help you in the future when you need to apply for a loan or other type of credit.
Rewards and DiscountsStudent credit cards offer rewards and discounts that can help you save money. Many student credit cards offer cash-back rewards, discounts on gas and groceries, and other discounts. These rewards and discounts can help you save money and get the most out of your credit card.
ConvenienceHaving a student credit card is also convenient. You can use it to make purchases online or in stores, and you don’t have to carry cash. This makes it easier to shop and pay bills.
Education Fee HelpIt allows students to pay their school, college, and tuition fees with low-interest rates of up to 1%.

Conclusion

In conclusion, student credit cards are a great way to build credit and gain financial independence. With the right student credit card, you can enjoy exclusive discounts, cashback offers, and other rewards. The top 8 student credit card options in India for 2023. Moreover, you can choose other cards such as -SBI SimplyCLICK, HDFC Bank Millennia, ICICI Bank Amazon Pay Credit Card, Axis Bank Buzz Credit Card, Kotak Mahindra Bank 811 Edge Credit Card, and Standard Chartered Manhattan Credit Card.

Each of these cards offers unique features and benefits that can help you manage your finances better. With the right student credit card, you can make the most of your money and gain financial freedom.

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