Stepping into adulthood comes with its own set of firsts — and getting your very first credit card is definitely one of them. Whether you’re managing monthly expenses, building a credit history, or just want the freedom to shop or travel smarter, a student credit card can be a powerful tool in your wallet.
But here’s the catch: with so many options and bank terms floating around, choosing the right one can feel overwhelming. That’s why we’ve created this ultimate guide to help you apply for student credit card online in India — the easy, informed, and budget-friendly way.
From comparing the best cards in 2025 to understanding eligibility, benefits, and even common mistakes to avoid — we’ve got everything covered. Ready to make your first money move?
Why Students Should Consider a Credit Card
A student credit card is typically tailored for individuals pursuing education and may come with relaxed eligibility, low fees, and relevant perks. These cards are excellent tools to:
- Build a strong credit history from a young age
- Gain financial discipline
- Access emergency funds
- Earn rewards and cashback
- Avail of student-specific discounts or travel benefits
If you’re ready to apply for student credit card online, this guide is your starting point.
Best Student Credit Cards in India
Here is a table summarizing the top student credit card options in India in 2025:
| Credit Card | Type | Annual Fee | Key Benefits | Best For |
|---|---|---|---|---|
| SBI Student Plus Advantage Card | FD/Loan | Rs. 500 | 1 RP/100, Fuel waiver, EMI options | SBI account/loan holders |
| IDFC FIRST WOW! Credit Card | FD-Linked | Rs. 0 | 4X rewards, Zero forex, Dining deals | Rewards & travel savings |
| Kotak 811 #DreamDifferent Card | FD-Linked | Rs. 0 | 2X on online, Milestone rewards | Online shoppers |
| Axis Insta Easy Credit Card | FD-Linked | Rs. 0 | Dining/movie offers, Instant digital approval | No-income students |
| HDFC ISIC ForexPlus Student Card | Prepaid | ~Rs. 500 | No forex markup, Travel perks, ISIC card | Abroad-bound students |
| ICICI Student Travel Card | Prepaid | ~Rs. 499 | International usage, ATM access, Travel cover | foreign education students |
How to Apply for Student Credit Card Online:
Here’s a simple process to apply for student credit card online in India:
- Choose Your Card: Compare features, fees, and benefits using our table above.
- Check Eligibility:
- Must be 18+ years old
- Student ID or proof of enrollment (for some cards)
- PAN Card
- FD or education loan (for secured cards)
- Visit Official Bank Website: Navigate to the credit card section.
- Select Card & Apply: Click “Apply Now” and fill the application.
- Upload Documents: Upload scanned copies of PAN, address proof, FD details (if applicable).
- Video KYC / Verification: Some banks may call or conduct a video KYC.
- Wait for Approval: Usually 1–7 working days.
- Card Delivery: Once approved, the physical card is dispatched.
Common Mistakes to Avoid When Using a Student Credit Card
As a student, using a credit card wisely is more important than simply owning one. Here are some frequent mistakes and how to avoid them:
- ❌ Paying only the minimum due: This leads to interest accumulation. Always try to pay the full outstanding amount.
- ❌ Using the card for cash withdrawals: This incurs high fees and interest from day one.
- ❌ Applying for multiple cards at once: Each inquiry can negatively impact your credit score.
- ❌ Ignoring your billing cycle: Know your due dates and grace period.
- ❌ Overspending to reach reward milestones: Don’t let rewards justify unnecessary expenses.
Being mindful of these habits will help you use your credit card as a tool for financial empowerment, not debt.
Prepaid vs FD-Linked vs Loan-Linked Student Credit Cards
Not all student credit cards are the same. Here’s how the three major types differ:
| Feature | Prepaid Card | FD-Linked Card | Loan-Linked Card |
|---|---|---|---|
| Requires Credit Check? | No | No | Sometimes |
| Builds Credit Score? | No | Yes | Yes |
| Interest Charged | None | If unpaid balance | If unpaid balance |
| Usage Type | Limited to amount loaded | Credit limit based on FD | Based on loan amount |
| Best Use Case | Travel, budget spend | Build credit early | Bank customers with loans |
Understanding the type of card helps you pick one that aligns with your needs and lifestyle.
Pros and Cons of Student Credit Cards
Pros:
- Builds Credit History: Great for financial future.
- Low Eligibility Criteria: Especially with secured options.
- No/Low Annual Fees: Many options are free for life.
- Rewards & Discounts: Dining, online shopping, and travel.
Cons:
- Lower Credit Limits: Usually capped by FD.
- Interest on Revolving Balance: High interest if dues not cleared.
- Limited Offers: Compared to premium credit cards.
- Requires Caution: Misuse can damage credit score early.
Affiliate Recommendations – Top Picks with Apply Links
If you’re ready to apply for student credit card online, here are our handpicked affiliate-linked recommendations:
- IDFC FIRST WOW! Credit Card
👉 Apply Now – Zero fees, best-in-class rewards - AU Bank LIT Credit Card
👉 Apply Now – Enjoy OTT subscriptions & 10× rewards, perfect for lifestyle-savvy students
Disclosure: We may earn a small commission if you apply through these links, at no extra cost to you.
FAQs – Apply for Student Credit Card Online in India
1. Can a student get a credit card without income?
Yes. Most student credit cards are FD-backed or prepaid, so income proof is not mandatory.
2. What is the minimum age to apply for a student credit card?
You must be at least 18 years old.
3. Is a credit card safe for students?
Yes, if used responsibly. Make full payments monthly to avoid debt.
4. Which is the best credit card for international students?
HDFC ISIC ForexPlus and ICICI Student Travel cards are best for overseas study.
5. Can I increase my student credit card limit?
Yes. Over time, banks may offer upgrades or increased limits based on usage and FD value.
Read Next
Want to understand the best secured cards in India in detail?
👉 Read: Best Credit Card for Student: Build Credit & Save More!
Want to travel abroad on a student budget?
👉 Read: Student Loans or Credit Cards: 5 Shocking Facts
Conclusion
A student credit card can be your gateway to a financially independent future. With the rise of FD-linked and zero-fee cards, applying has never been easier. Whether your goal is travel, online shopping, or credit building, you can now apply for student credit card online with just a few clicks.
Make sure you compare wisely, use responsibly, avoid common mistakes, and understand which card type suits you best. Happy spending!
Affiliate Disclosure: Some of the links in this post are affiliate links. This means we may earn a commission if you click and apply, at no additional cost to you.
