Getting a student credit card in India is a difficult task since there is no income proof for students , normally students receive add on credit cards from their parents which are linked to their parents credit card . But now in 2025 several banks offers credit cards for students, freelancers or anyone with a secured fixed deposit .
You can use these credit card to pay your fees , recharge online or grab a meal and manage anyother emergency expenses . Let’s see what are the best options for a students credit card .
Type: Secured (against fixed deposit)
Issued against an FD of ₹25,000+ or you have student loan in SBI bank
1 reward point per ₹100 spent
Fuel surcharge waiver
2.5% cash withdrawal facility
Why It’s Great: It’s backed by your fixed deposit, so no income proof needed—great for first-time users building credit.
Type: Secured against FD’s
Issued against FD of ₹20,000 or more
Airport lounge access, movie offers
Earn PAYBACK points on every spend
Why It’s Great: Helps you enjoy lifestyle benefits while building your credit score gradually.
Type: Secured against deposit
Instant issuance against FD (₹20,000 min)
1% cashback on utility bills, groceries
No documentation if you have Axis FD
Why It’s Great: Fast approval process and decent cashback benefits, even for students
Type: Secured
Backed by a fixed deposit with HDFC
Cashback on online spending
Convert purchases into EMIs
Why It’s Great: Easy to manage and perfect for students who want flexible repayment.
If you’re not ready for a secured card yet, here are low-entry credit cards that might still approve students with low income or alternate proof (e.g., scholarship, part-time job):
Lifetime free
Works like a secured card
Good for online transactions
No joining fee, no annual fee
Open a FD with any bank for an amount of ₹20,000–₹30,000 .
Choose a secured card issued against your FD
Fill out the online form
Card is issued with a credit limit of 75–85% of your FD
Use it wisely to build your CIBIL score
Always pay in full and on time to build a strong credit history early.
Q: Is it safe to get a credit card as a student?
Yes, especially secured ones—they help you learn financial discipline and help you during emergency expenses.
Q: Do secured credit cards improve credit score?
Absolutely! As long as you pay your bills regularly, they help build your credit profile and by the time you become a salaried employee , you will have a good credit history.
Q: Can I convert to a regular credit card later?
Yes, after 6–12 months of responsible usage, many banks offer upgrades and upper limits . You can also choose from the top credit cards .
Starting your personal finance journey with your student credit card is a smart move to learn about the finance managemenet at an ealry age . When you pay for your fees or recharge or swipe it for a meal , you are tend to learn to manege your money and keep a good track of your expense .
