Why Do Students Need Credit Cards?
Credit cards are no longer just for working professionals. Banks in India now offer student-friendly credit cards that help young adults manage expenses, build credit history, and enjoy exclusive benefits. In 2025, these cards are more flexible with low fees and special offers.
Best Credit Cards for Students in India 2025
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Benefits:
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No annual fee if you spend ₹35,000 annually
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Reward points on every spend
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Eligibility: Requires an SBI education loan or fixed deposit
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Annual Fee: ₹500 (waived on usage)
2. ICICI Bank Student Forex Prepaid Card
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Benefits:
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Perfect for students studying abroad
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Accepted in multiple currencies
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Free ISIC membership for discounts on travel, shopping, and food
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Eligibility: Must be a student with valid ID proof
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Annual Fee: ₹0 – ₹500 depending on usage
3. Axis Bank Insta Easy Credit Card
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Benefits:
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Issued against fixed deposit (no income proof needed)
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Cash withdrawals up to 100% of credit limit
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1% fuel surcharge waiver
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Eligibility: Students with FD at Axis Bank
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Annual Fee: ₹500
4. HDFC ForexPlus Card for Students
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Benefits:
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Designed for international students
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Safe for online payments and foreign transactions
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Discounts on air tickets and accommodation
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Eligibility: Must provide student ID and KYC
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Annual Fee: ₹500
5. Bank of Baroda Financial Prime Card (for students with FD)
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Benefits:
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Secured against FD (low risk)
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1 reward point per ₹100 spent
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Eligibility: Students with FD at BoB
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Annual Fee: ₹500
Key Benefits of Student Credit Cards
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Helps build credit score early
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Discounts on travel, shopping, and dining
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Useful for emergencies & online transactions
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Lower fees compared to regular cards
Things to Keep in Mind
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Always pay bills on time to avoid penalties
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Start with a secured credit card if you don’t have income proof
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Use the card responsibly to build a strong credit history
Final Word
Choosing the best student credit card in India 2025 depends on your needs—whether you’re studying in India or abroad. From SBI’s Student Plus Advantage to ICICI’s Forex Card, each option has unique benefits.
Start with a secured or low-fee card, use it wisely, and build your credit score for the future.
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