Managing money wisely is an important skill for young adults, and getting the best credit card for students can be a great first step. Whether you’re looking for credit cards for 18-year-olds, credit cards for students in India, or the best credit cards for college students, the right card can help you build credit, enjoy rewards, and handle emergency expenses.
A student credit card usually comes with low annual fees, simple eligibility requirements, and benefits like cashback, discounts on shopping, or rewards points. If you’re searching for the best student credit card that suits your lifestyle and spending habits, this guide will help you explore top options and make the right choice.
Top 10 Best Credit Card For Students August 2025
Credit Card Name | Student Offer / Benefit | Explore More |
IDFC FIRST WOW Credit Card | 5% cashback on online purchases | |
Kotak 811 #DreamDifferent Credit Card | Earn 2x reward points on every ₹100 spent online | |
ICICI Coral Contactless Credit Card | Buy 1 Get 1 free movie ticket twice a month | |
Axis Bank Neo Credit Card | 20% off on food orders via Zomato | |
SBI Student Plus Advantage Credit Card | 2.5% fuel surcharge waiver across all petrol pumps | |
ICICI Bank Student Forex Prepaid Card | Zero cross-currency conversion charges | |
AU Bank LIT Credit Card | 5% cashback on OTT subscriptions | |
Axis Bank Insta Easy Credit Card | 15% off on partner restaurants | |
OneCard Credit Card | 1% cashback on all purchases with no cap | |
Bank of Baroda Financial Prime Card | 5% cashback on grocery purchases |
1. IDFC FIRST WOW Credit Card
If you’re a student looking for your first credit card, the IDFC FIRST WOW Credit Card is one of the best student credit cards in India. It’s designed for young adults, college students, and even 18-year-olds who want to start building their credit history without worrying about heavy fees. Whether you’re buying books, paying online subscriptions, or managing daily expenses, this card offers rewards, convenience, and flexibility – all in one.
Why IDFC FIRST WOW Credit Card is the Best for Students
- Lifetime Free Card – No joining fee or annual fee, making it the perfect credit card for college students who want to avoid extra costs.
- No Minimum Income Needed – Great credit card for teens and credit card for 18-year-olds just starting their financial journey.
- Rewards on All Purchases – Earn reward points every time you spend and redeem them for shopping, travel, or vouchers.
- Interest-Free Cash Withdrawals – Withdraw cash from ATMs with up to 48 days of interest-free period, a rare benefit in most credit cards for students in India.
- Simple Online Application – Apply from home with minimal documents – perfect for busy college schedules.
- Worldwide Acceptance – Accepted across India and abroad, ideal for students who travel or study overseas.
- Fuel Surcharge Waiver – Save money on petrol and diesel, helping students cut down travel costs.
2. Kotak 811 #DreamDifferent Credit Card
The Kotak 811 #DreamDifferent Credit Card is a great choice for students in India who want to enjoy the benefits of a credit card without paying high annual fees. Designed with young spenders in mind, this card combines flexibility, rewards, and smart money management, making it one of the best student credit cards in India. Whether you need it for online shopping, paying tuition fees, or managing your everyday expenses, it’s an ideal credit card for students starting their financial journey.
Why Kotak 811 #DreamDifferent Credit Card is Great for Students
- Lifetime Free Card – No joining fee or annual fee, making it a free credit card for students.
- No Credit History Needed – Perfect credit card for student in India who are applying for their first card.
- Reward Points on Every Spend – Earn rewards whether you shop online or offline and redeem them easily.
- Fuel Surcharge Waiver – Save money every time you refuel, a big plus for students who commute.
- High Credit Limit – Linked to your Kotak 811 account, giving you flexibility to handle big or small expenses.
- Easy Online Application – Minimal documents and a quick process, perfect for busy student life.
- Supports Student Loans & Payments – Use it to manage credit cards for student loans or pay education-related bills.
- Worldwide Acceptance – Ideal for students who travel or study abroad.
This card is an excellent choice if you’re looking for a credit card student best option in India – combining rewards, convenience, and zero annual fees.
3. ICICI Coral Contactless Credit Card
The ICICI Coral Contactless Credit Card is a great option for students who want both style and value. With its easy tap-to-pay feature, exciting rewards, and added benefits, it’s more than just a payment card – it’s a tool for building smart spending habits. If you’re searching for a credit card for students in India that offers lifestyle perks, rewards, and flexibility, this one deserves your attention.
Why ICICI Coral Contactless Credit Card is a Good Choice for Students
- Contactless Payments – Just tap your card to make quick and secure transactions.
- Reward Points on Every Spend – Earn points on shopping, dining, and entertainment – ideal for student life.
- Movie & Dining Discounts – Get exclusive offers that make weekends more fun without breaking your budget.
- Fuel Surcharge Waiver – Save money every time you refuel, perfect for students who commute.
- Flexible Credit Limit – A good student credit card credit limit that grows with your spending history.
- No Income Proof Required – Great credit card for student with no income; eligibility often based on fixed deposit or account balance.
- Ideal for Student Loans & Education Payments – Can be used as a credit card for student loans or paying tuition.
- Worldwide Acceptance – Suitable for students traveling abroad or shopping on international websites.
The student credit card ICICI Coral Contactless is a perfect card for students who want more than just a basic payment method. It’s rewarding, stylish, and practical for everyday use – making it a strong pick for a credit card in India for students.
4. Axis Bank Neo Credit Card
The Axis Bank Neo Credit Card is designed for young spenders who want to enjoy rewards, discounts, and convenience without high costs. It’s a solid choice for college-goers who want a stylish yet practical card. If you’ve been wondering, can students get credit cards? – the answer is yes, and this card is a great example of how to start your credit journey.
Why Axis Bank Neo Credit Card is One of the Best for Students
- Exclusive Online Shopping Discounts – Get deals on popular platforms like Amazon, BookMyShow, and more – perfect for student life.
- Easy Eligibility – If you’ve been searching how to apply for credit card for students, this one can be applied for with a fixed deposit or as an add-on card.
- Low Annual Fee – Affordable, making it a best credit for students who want benefits without big costs.
- Reward Points on Every Spend – Earn points on your daily expenses, helping you save in the long run.
- Movie Ticket Benefits – Enjoy offers on BookMyShow, ideal for weekend plans.
- Dining Discounts – Save money when eating out with friends.
- Safe Contactless Payments – Just tap to pay for quick and secure transactions.
- Great for College Needs – Whether it’s shopping, travel, or subscriptions, it’s one of the best credit cards for college students in India.
For students searching for the best student credit cards or wanting to student credit card apply online, the Axis Bank Neo is an excellent pick. It’s budget-friendly, rewards-driven, and easy to maintain – making it one of the best credit cards for students starting their financial journey.
5. SBI Student Plus Advantage Credit Card
The SBI Student Plus Advantage Credit Card is one of the best credit cards for students in India, specially designed for those who want to build their credit history while enjoying rewards and savings. It’s the perfect match for students who want the benefits of a credit card without overspending.
If you’ve been wondering how to get a credit card as a student, this SBI card is a great option – especially for students who have taken an education loan from SBI or maintain a fixed deposit with the bank.
Why SBI Student Plus Advantage Credit Card is the Best Student Credit Card
- Zero Annual Fee – Annual fee is waived if you spend above a set limit each year, making it budget-friendly.
- Reward Points on Every Spend – Earn reward points for all purchases and redeem them for exciting gifts and vouchers.
- Worldwide Acceptance – Use it at over 24 million outlets globally, including 3.25 lakh outlets in India.
- Fuel Surcharge Waiver – Save more on fuel expenses – a big plus for students who travel often.
- Balance Transfer Facility – Transfer high-interest balances from other cards and pay at a lower rate.
- Exclusive for Students – This SBI student credit card is designed to help students manage expenses while enjoying benefits.
- Helps Build Credit History – Even credit cards for students with no income can help establish good credit if linked to an FD.
Pro Tip: If you’re under 18, you can’t get this card directly (credit card under 18 is not allowed in India). However, you can be added as an add-on cardholder to your parent’s card until you turn 18.
The SBI Student Plus Advantage Credit Card is more than just a payment tool – it’s a stepping stone to financial independence. If you’re looking for a credit card for students with no income that’s rewarding, affordable, and easy to manage, this is one of the best picks in student credit card India options.
6. ICICI Bank Student Forex Prepaid Card
The ICICI Bank Student Forex Prepaid Card is specially designed for students studying overseas. While it’s not a traditional credit card, it works almost like one, making it a great alternative for those looking for credit cards for 18 year olds or credit cards for students in India.
If you’ve been wondering which credit card is best for students who travel abroad, this ICICI card is a strong contender. It offers safety, convenience, and cost savings – all in one package.
Why Students Love the ICICI Bank Student Forex Prepaid Card
- Ideal for Overseas Expenses – Perfect for paying tuition fees, booking travel, or managing daily living costs while abroad.
- Multi-Currency Advantage – Load and spend in multiple foreign currencies, avoiding extra currency conversion charges.
- Safe & Secure – Comes with EMV chip protection and online fraud coverage for peace of mind.
- Exclusive Offers – Get student-friendly deals on shopping, dining, and travel.
- Easy to Get – Even if you’re new to banking, you can get this card without a credit history – a great option for credit card for teens and credit cards for college students.
- Emergency Assistance – Access emergency card replacement or cash anywhere in the world.
- No Credit Score Needed – Since it’s prepaid, it’s easier to get than traditional credit cards for 18 year olds.
Pro Tip: If you’re heading abroad for studies, this is one of the best credit cards in India for students who want to avoid high currency conversion fees and enjoy international spending convenience.
The ICICI Bank Student Forex Prepaid Card is a smart choice in the list of student credit cards India. It offers all the travel benefits without the risk of overspending – making it the best credit card in India for students who want to focus on studies and travel with confidence.
7. AU Bank LIT Credit Card
The AU Bank LIT Credit Card is a one-of-a-kind card in India that lets you pick and pay only for the features you want. This makes it a smart choice for young users, including students looking for flexibility in their spending. While it’s not marketed only as a student credit card India, it offers benefits that suit students who are just starting their financial journey.
If you’ve been searching for options like the ICICI student credit card or student credit card SBI, the AU Bank LIT card is worth considering because of its customisation and easy management features.
Why Students Might Like the AU Bank LIT Credit Card
- Customisable Features – You can activate or deactivate benefits like cashback, travel rewards, and lounge access whenever you want.
- Digital First – Apply and manage your card completely online, perfect for tech-savvy students.
- Control Spending – Set your own credit limit and track expenses easily, helping you build healthy financial habits.
- Affordable Fees – Pay only for the benefits you choose, which makes it budget-friendly for students.
- Contactless Payments – Quick and safe transactions for daily expenses.
- Low Eligibility Bar – Easier approval compared to premium cards, which can be helpful for credit cards for students with no income.
Tip: If you’re wondering how to get a credit card as a student, the AU Bank LIT Credit Card can be applied for online, and if you have a savings account with AU Bank, your chances of approval improve.
Whether you are looking for a credit card student India option or exploring student credit cards India with flexible benefits, the AU Bank LIT Credit Card stands out for its customisation and affordability. It gives you the freedom to use a credit card in a way that fits your lifestyle without paying for unnecessary perks.
8. Axis Bank Insta Easy Credit Card
For students who want to start their financial journey early, the Axis Bank Insta Easy Credit Card is a great option. It’s especially useful for those who may not have a credit history yet. This card is available against a fixed deposit, making it one of the easiest credit cards to get for students. If you are looking for credit cards you can get at 17, this is a solid choice because it doesn’t require you to have a prior credit score.
It’s a perfect fit for college student credit cards, offering flexibility in spending, building your credit history, and enjoying cashback and reward points. Students can also benefit from student 0 interest credit cards features by paying bills on time and avoiding interest charges. Overall, it’s a beginner-friendly way to step into the world of credit cards.
Why Students Love the Axis Bank Insta Easy Credit Card
- Easy Approval – One of the easiest credit cards to get for students as it’s issued against an FD.
- Low Entry Barrier – No prior credit history needed, ideal for credit cards students can get without hassle.
- Age-Friendly – Suitable for young applicants, including credit cards you can get at 17 with a parent’s FD.
- Credit Building – Helps you start building a credit score early for future loans and cards.
- Flexible Usage – Works like other college student credit cards, letting you shop online, pay bills, and book tickets.
- Interest-Free Period – Can act as a student 0 interest credit card if dues are paid within the billing cycle.
9. OneCard Credit Card
The OneCard Credit Card has become a popular choice among young adults, especially students, for its modern features, easy application process, and sleek metal design. For students who are starting to manage their own expenses, this card offers a simple yet rewarding experience. Whether you need a credit card for student loans, want to build your credit history early, or are looking for the best credit card for students in India, OneCard provides flexibility and control without hidden complications. Even if you’re a student with no income, you may still be able to apply if you meet the eligibility criteria.
Key Reasons Why Students Love the OneCard Credit Card
- Simple Eligibility – While most banks require high income or job proof, OneCard is among the best credit cards for students with flexible requirements.
- Digital-First Experience – Apply, manage, and track spending entirely through the OneCard app, perfect for tech-savvy students.
- No Hidden Fees – Zero joining and annual fees make it budget-friendly for students who want a credit card in India for students without extra costs.
- Rewards on Every Spend – Earn reward points on all purchases, which you can redeem instantly through the app.
- Custom Credit Limit – Depending on your profile, you can get a manageable student credit card credit limit, helping you control your spending.
- Stylish Metal Card – The premium metal design appeals to students who like a modern, sleek look.
- Helps Build Credit Early – Using it responsibly improves your credit score, which can help in the future for loans or higher credit limits.
In short, OneCard combines affordability, style, and smart digital tools, making it one of the easiest credit cards to get for students who want to start their financial journey the right way.
10. Bank of Baroda Financial Prime Card
If you are a student looking for a simple and reliable credit card option, the Bank of Baroda Financial Prime Card can be a great choice. It’s designed for beginners who may have little or no credit history and need an easy entry into the world of credit cards. With a low annual fee, easy approval process, and useful features, this card helps you manage expenses while also building your credit score. It’s ideal for those who want to start small and gradually increase their credit limits over time.
Key reasons why students love the Bank of Baroda Financial Prime Card
- Low-limit credit cards for students – Reduces the risk of overspending while still offering the convenience of a credit card.
- Credit card for students with no income in India – You can apply with minimal income proof or even against a fixed deposit.
- Guaranteed student credit cards – High approval chances for eligible students, making it a stress-free process.
- Best rewards credit card for students – Earn reward points on everyday purchases like groceries, books, and travel.
- Which bank is the best for students? – Bank of Baroda is well-known for beginner-friendly banking and low charges.
- Helps build your credit score – Timely payments can improve your creditworthiness for future loans and premium cards.
- Flexible payment options – Easy EMIs and online bill payment facilities to keep your finances in control.
In short, the Bank of Baroda Financial Prime Card is one of the best choices for students who want a safe, low-limit, and reward-packed way to step into the world of credit.
What is the SBI Student Plus Advantage credit card?
The SBI Student Plus Advantage credit card is designed for students with easy eligibility and benefits like cashback and rewards.
How can I apply for an SBI Student credit card?
You can apply for an SBI Student credit card by providing valid student documents and ID proof through the SBI branch or online.
Is there a credit card for students without FD?
Yes, some banks offer a credit card for students without FD, based on student loans or income proof.
Which is the best student loan credit card in India?
The best student loan credit card in India depends on your bank, but options from SBI, ICICI, and HDFC are popular.
Does HDFC provide a student credit card?
Yes, the HDFC Student Credit Card is available for students with special benefits and easy repayment options.
Can a 18-year-old get a credit card without FD?
Yes, some banks provide a credit card for 18-year old without FD, especially if linked with a student loan.
Are there credit cards for students with no income?
Yes, a few banks issue credit cards for students with no income, usually against a student loan or FD.
Does ICICI offer a student credit card?
Yes, the ICICI Student Credit Card comes with attractive rewards and is ideal for students starting their financial journey.
Trending Credit Cards In India July 2025
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