🏆 Best Credit Cards in India for Students 2025
Managing finances as a student can be tough—between tuition fees, books, travel, and daily expenses, money often runs short. That’s where a student credit card can be extremely helpful.
A good student credit card not only provides financial flexibility but also helps in building your credit history early, which is essential for future loans and financial stability.
In this guide, we’ll cover the Best Student Credit Cards in India (2025)—their features, benefits, and how to choose the right one.
🔹 1. SBI Student Plus Advantage Card
- Annual Fee: ₹500 (waived on spends above ₹35,000/year)
- Features: 1 reward point per ₹100 spent, EMI option, 2.5% fuel surcharge waiver, global acceptance
- Best For: Students with an SBI FD or education loan Apply Here
🔹 2. IDFC FIRST WOW Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Features: 4× reward points per ₹150 spent, zero forex markup, interest-free ATM cash withdrawals, fuel surcharge waiver
- Best For: Online shoppers, international use
🔹 3. Kotak 811 #DreamDifferent Credit Card
- Annual Fee: ₹0 (Lifetime Free)
- Features: 500 welcome reward points, 2× rewards on online spending, FD-backed approval, EMI facility
- Best For: Kotak account holders, online shopping
🔹 4. Axis Bank Insta Easy Credit Card
- Annual Fee: ₹0 (waived with usage)
- Features: Instant approval against FD, credit limit up to 80–100% of FD, EMI facility, global acceptance
- Best For: Students wanting quick approval without income proof
🔹 5. ICICI Bank Student Forex Prepaid Card
- Annual Fee: ₹199 approx.
- Features: Multi-currency support, ISIC membership, travel insurance, baggage & courier discounts
- Best For: Students studying or traveling abroad
🔹 6. HDFC ISIC Student ForexPlus Card
- Annual Fee: ₹300 approx.
- Features: ISIC benefits, travel & shopping discounts, emergency cash assistance
- Best For: Students going overseas
🔹 7. AU Bank LIT Credit Card
- Annual Fee: ₹0
- Features: Customizable rewards (5×–10×), free OTT subscriptions (Amazon Prime, Zee5), cashback
- Best For: Entertainment & lifestyle-focused students
🔹 8. Bank of Baroda Prime Credit Card
- Annual Fee: ₹0
- Features: 4 reward points per ₹100, insurance cover, low FD requirement (₹15,000)
- Best For: Reward seekers with low budget
🔹 9. OneCard Credit Card
- Annual Fee: ₹0
- Features: Metal design, mobile app control, real-time expense tracking, 5× rewards on top categories
- Best For: Tech-savvy students
📊 Quick Comparison Table
| Credit Card | Annual Fee | Key Benefits | Best For |
|---|---|---|---|
| SBI Student Plus | ₹500* | Rewards, EMI, fuel waiver | SBI FD/loan students |
| IDFC FIRST WOW | ₹0 | 4× rewards, no forex, ATM withdrawals | Digitally savvy students |
| Kotak 811 DreamDifferent | ₹0 | Online rewards, FD-based approval | Kotak users, online buyers |
| Axis Insta Easy | ₹0 | Instant FD approval, EMI | Fast approval seekers |
| ICICI Student Forex | ₹199 | ISIC, travel perks, multi-currency | Abroad students |
| HDFC ISIC ForexPlus | ₹300 | Travel discounts, emergency support | International students |
| AU Bank LIT | ₹0 | OTT, cashback, custom rewards | Entertainment lovers |
| BOB Prime | ₹0 | Insurance, rewards, low FD | Budget-friendly rewards |
| OneCard | ₹0 | Metal card, mobile tracking, 5× rewards | Tech students |
✅ How to Choose the Right Student Credit Card
- Pick a low- or zero-annual-fee card.
- If you plan to study abroad, choose Forex/ISIC cards.
- For online shopping, IDFC WOW, Kotak 811, or OneCard are great choices.
- Need quick approval? Go for FD-backed cards (SBI, Axis, BOB).
📝 Final Thoughts
The best credit card for students in India (2025) depends on your lifestyle and spending habits.
- Overall Benefits: IDFC FIRST WOW, Kotak 811
- International Students: ICICI Forex Card, HDFC ISIC ForexPlus
- Entertainment Perks: AU Bank LIT, OneCard
💡 Use your card responsibly—pay bills on time and stay within budget. Building a good credit score during college can help you get loans and better financial products in the future.
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