in 2025, credit cards are no longer just for working professionals. Students, too, can benefit from credit cards tailored to their needs, offering features like low annual fees, cashback rewards, and educational discounts. A student credit card not only makes managing expenses easier but also helps in building a good credit history early on. In this article, Vivek Sharma lists the top 10 credit cards for students in India to help you make an informed choice.
➡ Apply for Student Credit Cards Here
1. SBI Student Plus Advantage Card
- Why It’s Great:
- Ideal for students who already have an education loan with SBI.
- Key Features:
- 1% fuel surcharge waiver.
- Reward points on every purchase, redeemable against cash.
- Annual Fee: ₹500 (waived if annual spends exceed ₹35,000).
➡ Learn More About SBI Student Plus Card
2. HDFC Bank ISIC Student ForexPlus Card
- Why It’s Great:
- The card doubles as an International Student Identity Card (ISIC), offering global benefits.
- Key Features:
- Exclusive discounts on travel, dining, and educational services abroad.
- Forex markup fee: 0% for international transactions.
- Annual Fee: ₹500.
➡ Apply for HDFC ISIC ForexPlus Card
3. Axis Bank Insta Easy Credit Card
- Why It’s Great:
- Designed for students with minimal documentation requirements.
- Key Features:
- No income proof required if you have an Axis Bank savings account.
- 1% cashback on utility bill payments.
- Annual Fee: ₹500.
➡ Check Axis Bank Insta Easy Card Details
4. ICICI Bank Student Travel Card
- Why It’s Great:
- Best for students studying abroad.
- Key Features:
- Access to international discounts on flights, shopping, and accommodation.
- Fixed forex exchange rates.
- Annual Fee: ₹499.
➡ Explore ICICI Student Travel Card
5. Kotak 811 #DreamDifferent Credit Card
- Why It’s Great:
- A zero-fee digital credit card perfect for students managing their own expenses.
- Key Features:
- No joining or annual fees.
- 2% cashback on all digital transactions.
- Annual Fee: None.
➡ Apply for Kotak 811 Credit Card
6. YES Bank Student Credit Card
- Why It’s Great:
- Offers benefits tailored for students, including fee waivers and discounts on education-related expenses.
- Key Features:
- Reward points on tuition fee payments.
- Low interest rate on revolving credit.
- Annual Fee: ₹300.
➡ Learn More About YES Bank Student Card
7. Central Bank of India Student Credit Card
- Why It’s Great:
- Best for students with limited income sources.
- Key Features:
- Affordable interest rates and easy repayment options.
- Useful for tuition fees and daily expenses.
- Annual Fee: ₹250.
➡ Explore Central Bank Student Card
8. Bank of Baroda Student Credit Card
- Why It’s Great:
- Designed for students pursuing higher education with minimal eligibility requirements.
- Key Features:
- Cashback on educational payments like fees and books.
- Low annual charges and interest rates.
- Annual Fee: ₹350.
➡ Apply for Bank of Baroda Student Card
9. IDBI Bank Student Credit Card
- Why It’s Great:
- Simple and hassle-free card for managing everyday expenses.
- Key Features:
- Discounts on movie tickets and food delivery apps.
- Flexible repayment options.
- Annual Fee: ₹500.
➡ Learn More About IDBI Student Card
10. Punjab National Bank (PNB) Student Credit Card
- Why It’s Great:
- Ideal for students enrolled in PNB’s education loan schemes.
- Key Features:
- No annual fee for the first year.
- Discounts on education-related purchases and utility bill payments.
- Annual Fee: ₹300.
➡ Check PNB Student Card Details
How to Choose the Best Student Credit Card
- Analyze Your Needs:
- If you’re studying abroad, go for a travel-friendly card like HDFC ISIC ForexPlus.
- Compare Rewards:
- Choose a card with cashback or rewards aligned with your spending habits.
- Check the Annual Fees:
- Opt for cards with low or zero annual fees, especially if you’re on a budget.
➡ Compare and Apply for Student Credit Cards
Conclusion:
Student credit cards are an excellent way to manage finances and build a strong credit history while enjoying exclusive perks. The options listed above cater to various student needs, from international travel to everyday expenses.
As Vivek Sharma, I encourage students to choose a credit card wisely and use it responsibly to maximize its benefits. Stay tuned with Computer Academy for more financial advice, credit card reviews, and tips.