Credit Cards for Students in India (No Income Proof)

April 22, 2025

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 .

Best Credit Cards for Students in India Without Income Proof

1. SBI Student Plus Advantage 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.

2. ICICI Bank Coral Credit Card (Secured Variant)

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.

3. Axis Bank Insta Easy Credit Card

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

Apply for Axis Bank Credit Cards

4. HDFC Bank MoneyBack Secured Card

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.

Apply for HDFC Bank Credit Cards

5. Novio Secured Credit Card (RuPay/UPI)

Type: Secured against FD

Lowest FD requirement of this list — issued against an FD from just ₹2,000
Works on UPI as a RuPay credit card, so you can use it anywhere UPI is accepted
Credit limit scales with your FD amount

Why It’s Great: The most accessible secured card here if you don’t have ₹20,000+ to lock into an FD — a genuinely low entry point for students just starting out.

Apply for Novio Secured Card

What if you dont have a fixed deposit ?

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):

IDFC FIRST WOW Credit Card

Lifetime free
Works like a secured card
Good for online transactions
No joining fee, no annual fee

How to Apply Without Income Proof

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.

FAQs

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 our other credit card guides on this site.

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 .