Best Credit Cards for Students in India — No Income Required
8 min read11 March 2026
Financial Disclaimer
Disclaimer: This information is for educational purposes only. Always consult a certified financial advisor before making any financial decision.
Credit Cards While Still in College
Building credit early gives you a massive advantage. Several banks now offer student-specific credit cards with low limits (₹15,000-₹50,000), zero joining fees, and easy approval for full-time students.
Best Student Credit Cards
| Card | Fee | Credit Limit | Who Can Apply |
|---|---|---|---|
| SBI Student Plus | ₹499 (waived at ₹35K spend) | ₹15,000 - ₹50,000 | 18+ students with ID |
| ICICI Student Travel | ₹199 for first year | ₹15,000 - ₹30,000 | International students |
| HDFC ISIC Student | ₹500 | ₹25,000 | Students with ISIC card |
| Axis Insta Easy (Secured) | Nil | 80% of FD | Anyone 18+ with FD |
| Kotak Secured Card | Nil | 85% of FD | Anyone 18+ with FD |
Student Tips
Use your card only for small, regular purchases (recharges, subscriptions). Pay full bill every month. By graduation, you'll have a 750+ CIBIL score and qualify for premium cards.