Residents of West Bengal for at least 10 years or more are eligible to avail student credit cards, with the upper age limit capped at 45 years.Additionally, one must have passed class IX from recognized boards in West Bengal and must be enrolled in class X or for 10+2 higher education. Top student credit cards include SBI Student Plus Advantage Credit Card & ICICI Bank Student Forex Credit Card.Additionally, you can also get secured credit cards like IDFC FIRST WOW Credit Card, Paisabazaar Step UP Credit Card, Kotak 811 #DreamDifferent Credit Card and ICICI Coral Contactless Credit Card. Since students usually do not make an earning, student credit cards do not come with income eligibility. After gaining an understanding of student credit cards, the next step is to find out how to apply for a student credit card in India. Yes, student credit cards are available in West Bengal for student residents who have been in the state for more than 10 years. There are some banks that extend add-on credit cards to students as young as 15 years of age.

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Tell us which card appealed to you the most or if you are already using one. How you begin your credit journey will later determine many factors in your life, such as taking on loans. However, it is crucial to make financially responsible decisions when using one. They experience financial independence and freedom for the first time. There are so many activities and courses that we wish to do but are sometimes unable to because of financial constraints.

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Earlier, it used to be one of the most sought-after cards, but since its devaluation, some features like free airport lounge access have been removed. It has a joining fee of ₹1,000 and offers 5% cashback as CashPoints across popular platforms and brands. In addition to cashback, you can also receive gift vouchers worth up to ₹2,000 when you reach the spending milestones of ₹2 lakh in a year. Additionally, this card offers savings of up to 4.45% on fuel purchases made at BPCL fuel pumps.

  • Furthermore, you will receive complimentary access to domestic airport lounges every quarter in addition to all of these advantages.
  • This card has been launched by IndusInd Bank and can be obtained with no joining and renewal charges.
  • Additionally, you’ll receive a 0.5% cash-back on your card bill payments.
  • Is it worth getting a credit card as a student?
  • Here are some of the documents you would need for applying for a student credit card in India-

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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. The card also offers dining benefits, including a discount of up to 15% at over 2,000 premium restaurants across the country. Not only do cards offer mexican fine dining toronto a line of credit, but they also carry many other benefits, such as rewards on each eligible spend. As a student, it’s crucial to consider various features when choosing a credit card. However, the eligibility criteria for any credit card is not limited to just the age requirement, but rather includes other factors, like credit history and score, nationality, place of residence, income, among other internal conditions as decided by the credit card provider.

Fixed Deposit

Students can avail of these loans to further their education across technical, polytechnical, and general fields. You will always need a good credit score to avail of different facilities, like your own house, your car, etc. Hence, building and maintaining a good credit score from the very start is very important. Step 3– Click on the “Apply Now” button for the card of your choosing,

Credit Card Bill Payment

With this card, you can get cashback on partner brands such as Swiggy and Uber. Students prefer this card as it provides high cashback for purchases made on Flipkart. We’re working to add these types of notifications to the card in the future. We’re working to add additional types of notifications to this card in the future. Trade Brains is India’s trusted financial and business news portal. This may be much higher than what most banks will extend to you.

Best 5 Student Credit Cards in India with ₹0 Annual Fee – Features & Benefits Explained

Credit cards are considered to be a great mark of independence and financial freedom. Credit cards are one of the easiest and most significant ways to begin your credit journey. Whichever credit card you choose, remember to clear your dues on time. The cards contained in this list are good starting points and have zero joining fees, no income requirement, and have fixed deposit-based security. These advantages contribute to developing financially responsible habits and a good credit profile.

You can use the Bihar student credit card to fund your study materials, books, and stationery, or even to pay your education fees. Yes, credit cards issued against fixed deposits can be used by students studying overseas. However, if you wish to get a student credit card to build your credit score, an add-on card will not be helpful. These were the credit cards that are most suited for students and youngsters in India. In India, credit cards can be issued to students who are 18 years of age. The state of West Bengal has implemented credit cards for students.