Student Credit Card
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If you are a student without a source of income, then you can get a Credit Card only as an add-on card.

Student Credit Card

A student credit card is one such variant that is tailor-made to suit the needs of college students. This type of credit card allows you to manage your funds and easily meet expenses.


 Student credit cards are easy to qualify for as issuers don’t require you to produce lengthy documentation. Also, you don’t have to produce income proof, which hastens approval.

 A student credit card helps you build a good credit score before graduating. This way, you can avail credit at competitive terms in the future, provided you manage your credit card well.

 This type of credit card offers various perks like cashback and discounts that can help you save a lot of money. Further, it also gives handsome reward points that you can redeem for coupons and merchandise on the issuer’s rewards catalog.

 You can use a student credit card for various purposes like enrolling for an online course, buying books, refilling fuel, and more.
 Student credit cards have nil or relatively lower joining fees and low annual charges when compared to other credit cards, which makes it easy for you to maintain and use.


 Generally banks don’t charge any joining fee or annual fee for college student credit card.

 No past credit history or income criteria is required to apply for a student credit card. This takes away the cumbersome processing which banks do follow in issuing regular credit card.

 There is no requirement of any income proof or sound credit history. Few banks even issue credit card to students with poor credit background.

 Simple set of documents is required

 The students get familiarize on how to spend at a very early stage of their life and with proper credit planning such student can earn positive credit scores. This could always come handy while applying for different types of loans such as education loan, car loan, home loan etc.

 One of the student credit cards is student travel card which allows the student to spend while going abroad for studies. This card comes with worldwide acceptance. Apart from spending it directly , students may even pay fees or other charges for online classes

 Cash withdrawal up to a specific limit is also allowed from ATM’s worldwide at any VISA/MasterCard atm centre.

 Reward point is also offered on the amount spent

 Zero Fuel surcharge

 Only a few companies offer credit card for students with poor credit report


 Birth certificate
 Identity card issued by the college/university
 Proof of residential address
 Recent passport size photograph
 PAN card