Best Credit Cards for Students in India (2025) | A Complete Guide

Introduction

In today’s world, managing finances and building a good credit score early in life has become more important than ever. For students, one of the best ways to get started with credit is by applying for a student credit card. These cards help students build their credit history, learn financial responsibility, and manage their expenses. However, choosing the right credit card can be overwhelming due to the wide range of options available in India.

In this detailed guide, we will explore the best credit cards for students in India, the features that make them ideal for students, and tips for using a credit card responsibly. Whether you are a first-year college student or someone in their final year, understanding the best credit card options for students will ensure that you make an informed decision.

1. Why Should Students Get a Credit Card?

Before diving into the specifics of the best student credit cards, it’s important to understand why a credit card can be beneficial for students. Here are some key reasons:

Building a Credit History: A student credit card is a great way to start building a credit history. A good credit score will be essential when you apply for loans, such as an education loan or home loan, in the future.
Emergency Fund: A credit card can act as an emergency fund, especially when you are low on cash. It’s a convenient way to pay for unexpected expenses.
Learning Financial Responsibility: Using a credit card teaches students how to manage their finances, track expenses, and stick to a budget.
Rewards and Benefits: Many student credit cards offer cashback, rewards, and discounts on daily purchases like food, transportation, and shopping.

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However, it is crucial for students to use their credit cards wisely to avoid overspending, debt accumulation, and poor credit scores.

2. Eligibility for Student Credit Cards in India

To apply for a student credit card in India, there are certain eligibility criteria that you need to meet:

Age: The applicant must typically be between 18 and 25 years old.
Income: While many student credit cards do not require a fixed income, a source of income or a parent’s or guardian’s income may be required.
Educational Status: You must be enrolled in a recognized university or educational institution in India.
Parent’s Creditworthiness: Since most student credit cards are offered under the co-signing of a parent or guardian, their credit score and financial standing may also be taken into account.

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3. Top Student Credit Cards in India (2025)

Here are some of the best credit cards available for students in India. These cards are designed to offer easy access, low fees, and great rewards, making them ideal for students:

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1. HDFC Bank Student Credit Card

Eligibility: Indian students aged 18 to 25, enrolled in full-time education at a recognized institution.
Annual Fee: ₹500–₹1000 (varies by card type)
Credit Limit: Up to ₹25,000 (depends on eligibility)
Key Benefits:
- Low-interest rates (if you pay on time)
- Free access to HDFC Bank mobile banking app
- Discounts on online shopping platforms
- Special offers on dining and entertainment

The HDFC Bank Student Credit Card is an excellent option for students looking to get their first credit card. With a relatively low credit limit, it encourages students to spend responsibly while still offering a good range of benefits. Moreover, it allows students to build a credit score over time.

2. ICICI Bank Student Platinum Credit Card

Eligibility: Students aged 18 to 30 years with an active account in ICICI Bank.
Annual Fee: ₹500–₹750 (waived if conditions are met)
Credit Limit: Up to ₹30,000
Key Benefits:
- Earn up to 2 reward points per ₹100 spent
- 1% fuel surcharge waiver
- 0% interest on EMIs for up to 3 months
- Exclusive discounts on brands like Flipkart, Amazon, etc.

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ICICI Bank’s Student Platinum Credit Card is a good option for those who are just starting their credit journey. The card comes with a decent credit limit and attractive reward points. You can also benefit from fuel surcharge waivers and special offers on e-commerce platforms. This is a great card for students who frequently shop online.

3. SBI Student Plus Advantage Card

Eligibility: Indian students aged 18 to 25, enrolled in full-time education.
Annual Fee: ₹500 (waived in the first year)
Credit Limit: Up to ₹20,000
Key Benefits:
- Reward points for every purchase
- Free access to the Yatra.com portal for travel bookings
- 0.5% fuel surcharge waiver at Indian Oil stations
- Discounts and cashback on movie tickets

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The SBI Student Plus Advantage Card is perfect for students who enjoy traveling and booking their travel online. With attractive rewards and discounts on travel, entertainment, and shopping, this card also provides an opportunity to earn rewards that can be redeemed for exciting products or services.

4. Axis Bank Student Credit Card

Eligibility: Indian students between the ages of 18 to 25 with a parent or guardian’s co-signing.
Annual Fee: ₹500–₹1000
Credit Limit: ₹20,000–₹30,000 (based on eligibility)
Key Benefits:
- 2% cashback on groceries and dining
- 1% cashback on all other purchases
- Fuel surcharge waiver
- Discounts on e-commerce platforms like Amazon and Flipkart

Axis Bank Student Credit Card is an ideal choice for students who like to earn cashback on daily expenses. The card provides a flexible credit limit and offers cashback rewards that can be redeemed for various purchases. It’s perfect for students who spend a significant portion of their budget on groceries and dining.

5. RBL Bank MyPin Credit Card

Eligibility: Students above 18 years of age with a co-signer.
Annual Fee: ₹500
Credit Limit: Up to ₹15,000
Key Benefits:
- Earn 1 reward point for every ₹100 spent
- 5% cashback on entertainment and dining
- Discounts on movie tickets
- Fuel surcharge waiver

The RBL Bank MyPin Credit Card is another student-friendly option that offers attractive cashback and reward points on dining, entertainment, and other categories. It is a simple card with low fees, making it a good choice for students who want to control their spending while earning rewards.

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6. Kotak Mahindra Bank Student Credit Card

Eligibility: Indian students between the ages of 18 to 25 years, enrolled in recognized colleges/universities.
Annual Fee: ₹500–₹1000
Credit Limit: Up to ₹15,000–₹20,000 (based on eligibility)
Key Benefits:
- Exclusive discounts on dining and shopping
- 1% fuel surcharge waiver
- Easy EMI options
- Regular discounts on partner brands like Myntra, Swiggy, etc.

Kotak Mahindra Bank offers a credit card tailored to student needs. It has an attractive range of discounts on shopping, dining, and fuel, making it a great option for students who love to shop or dine out. The low fees and decent credit limit make it a good option for those just starting to build their credit history.

4. How to Choose the Best Credit Card for Students in India

Selecting the right credit card as a student depends on several factors, including your spending habits, lifestyle, and what you hope to achieve with the card. Here are some key considerations to keep in mind when choosing the best credit card:

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1. Credit Limit

As a student, you will likely be given a lower credit limit, typically between ₹15,000 and ₹30,000, based on your eligibility and your parent’s credit score. Choose a card that offers a credit limit you can manage comfortably.

2. Annual Fees

Look for cards with low or waived annual fees, especially if you are just starting out. Many student credit cards waive the first year’s annual fee, so this can be a good option to save on upfront costs.

3. Rewards and Cashback

Different credit cards offer different types of rewards, such as cashback or reward points for specific categories of spending (like shopping, dining, or fuel). Choose a card that matches your spending habits. For instance, if you eat out often, a card that offers cashback or rewards for dining would be beneficial.

4. Interest Rates and Fees

Interest rates on credit cards are typically high, so ensure that you make your payments on time to avoid accruing unnecessary interest charges. Some cards offer 0% interest on EMIs for the first few months, which can be helpful in case of large purchases.

5. Additional Perks

Look for cards that offer additional perks such as discounts on travel, dining, and entertainment. Some cards also offer complimentary access to lounges at airports, which could be a bonus for students who travel frequently.

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5. How to Use Your Student Credit Card Responsibly

Using a credit cards comes with its own set of responsibilities. Here are some tips for students to use their credit cards responsibly:

Pay Your Bills on Time: Always pay your bills before the due date to avoid late fees and interest charges. Set reminders to ensure that you never miss a payment.
Keep Track of Your Spending: Use mobile banking apps or online tools to track your expenses. Try not to exceed your