Best Student Credit Cards in India
Build your credit history early. Student credit cards are designed for college students who do not have a steady source of income or tax filings. These cards are usually issued against a small fixed deposit (starting as low as Rs. 5,000) or as add-on cards linked to a parent's credit card account.
Top Credit Cards Comparison Table
| Credit Card | Joining Fee | Annual Fee | Key Reward Rate | Action |
|---|---|---|---|---|
| Axis Bank Flipkart Axis Bank | Rs. 500 | Rs. 500 | Cashback on Flipkart and selected partners; caps and exclusions apply. | Compare Apply |
| Axis Bank MyZone | Rs. 500 | Rs. 500 | EDGE reward points on eligible spends. | Compare Apply |
| Axis Bank IndianOil | Rs. 500 | Rs. 500 | Fuel value-back at eligible IndianOil outlets; check caps and exclusions. | Compare Apply |
| SBI Card SimplyCLICK | Rs. 499 | Rs. 499 | 5X points online and 10X on selected partners as listed by SBI Card. | Compare Apply |
| ICICI Bank Amazon Pay | Nil | Nil | Cashback varies for Prime, non-Prime, Amazon, and partner spends. | Compare Apply |
| ICICI Bank Coral | Rs. 500 | Rs. 500 | ICICI reward points on eligible purchases. | Compare Apply |
| IDFC FIRST Bank Classic | Lifetime Free | Nil | Up to 10X rewards on eligible monthly spends as per IDFC FIRST terms. | Compare Apply |
| IDFC FIRST Bank Select | Lifetime Free | Nil | Up to 10X never-expiring rewards on eligible spends. | Compare Apply |
Detailed Card Reviews
Axis Bank Flipkart Axis Bank
Simple cashback card for e-commerce users who spend often on Flipkart and partner merchants.
- Flipkart cashback
- Partner cashback
- Fuel surcharge waiver
Axis Bank MyZone
Everyday lifestyle card for entry-level users who want entertainment and dining offers.
- Movie offers
- Dining deals
- Fuel waiver
Axis Bank IndianOil
Fuel-focused card for IndianOil customers who want value-back and surcharge waiver.
- IndianOil fuel rewards
- Fuel surcharge waiver
- UPI-ready variants
SBI Card SimplyCLICK
Online shopping rewards card with accelerated points on selected partner platforms.
- 5X online rewards
- 10X partner rewards
- E-vouchers
ICICI Bank Amazon Pay
Popular no-fee cashback card for Amazon users, Prime members, and digital payments.
- Amazon cashback
- Digital payments
- No annual fee
ICICI Bank Coral
Everyday lifestyle card with entertainment offers and ICICI reward points.
- Movie offers
- Dining privileges
- Fuel waiver
IDFC FIRST Bank Classic
Lifetime-free card with never-expiring rewards and accessible eligibility.
- Lifetime free
- Never-expiring rewards
- Railway lounge
IDFC FIRST Bank Select
Lifetime-free travel and lifestyle card for users with higher income eligibility.
- Lifetime free
- Domestic lounge
- Never-expiring rewards
Building a CIBIL Score as a Student
Starting early gives you a significant advantage. By paying your student credit card bills on time and keeping your credit utilization below 30%, you can build a CIBIL score of 750+ by the time you graduate. This will make it much easier to secure education loans, car loans, or home loans in the future.
Add-on Credit Cards vs. Secured Cards
Secured Cards: Issued in your name, backed by a fixed deposit that earns interest. Highly recommended because the credit reporting agency records the credit history in *your* name.
Add-on Cards: Linked directly to a parent's primary credit card account. The parent remains liable for payments, and the credit history might not benefit the student's CIBIL score as much.
Frequently Asked Questions
Do students need income proof to get a credit card?
No, if you apply for a secured credit card backed by a fixed deposit, no income proof, bank statements, or salary slips are required.
What is the minimum fixed deposit for a student card?
Most banks (like IDFC First Bank or Kotak Mahindra) issue student-friendly secured cards for a minimum fixed deposit of Rs. 5,000 to Rs. 10,000.