Top Student Credit Cards for 2025 – Max Rewards & Zero Hassle!
If you’re a student looking for the best credit card to maximize your shopping, dining, and cashback benefits, we’ve got you covered! Here are five excellent student credit cards that offer lifetime free memberships, exciting reward programs, and exclusive perks.
1. Axis MyZone Credit Card – Lifetime Free Card with Premium Benefits
Why Choose the Axis MyZone Credit Card?
The Axis MyZone Credit Card is a fantastic entry-level credit card for students who love shopping, dining, and entertainment. It’s a lifetime free card, making it a budget-friendly choice with excellent rewards.
Top Benefits:
Complimentary SonyLiv Premium Annual Subscription worth ₹999
Swiggy Discount – Flat ₹120 off on orders above ₹500 (twice a month, up to ₹240/month)
Paytm Movies Offer – Buy 1 ticket, get 100% off on the second (up to ₹200/month)
Real Cashback – Convert cashback earned into credit card statement balance
Earn Up to ₹1,275 Profit on Activation (₹1,275 for new customers, ₹850 for existing customers)
Additional Features:
₹1,000 Off on AJIO for orders above ₹2,999 on select styles
Complimentary Domestic Lounge Access (4 times per year, once per quarter)
Dining Discounts Up to 15% at select restaurants
1% Fuel Surcharge Waiver on transactions between ₹400 – ₹4,000
Eligibility & Documents Required:
Eligibility:
-
Salaried or self-employed
-
Minimum income: ₹15,000/month (salaried), ₹30,000/month (self-employed)
-
CIBIL score: 730+
-
Age: 21-65 years
Documents Required:
-
PAN Card/Form 60
-
ID Proof & Address Proof
-
Income Proof
Fees & Charges:
💳 Lifetime Free – No joining or annual fees!
2. IndusInd Tiger Credit Card – Best for Travel and Rewards
Why Choose IndusInd Tiger Credit Card?
If you’re a student who travels frequently and loves premium perks, the IndusInd Tiger Credit Card is an excellent choice. It’s a lifetime free card with top-tier benefits.
Top Benefits:
Earn Up to 6 Reward Points per ₹100 Spent (for annual spends above ₹5L)
Convert 1 Reward Point to 1.2 Airmiles (Intermiles or CV Points)
Airport Lounge Access – 8 Domestic + 2 International lounges per year
BookMyShow Offer – Free movie ticket (worth ₹500) every 6 months
4 Complimentary Golf Course Access per year
Lower Forex Markup – Just 1.5% on international transactions
Earn ₹800 Profit on Activation
Eligibility & Documents Required:
Eligibility:
-
Salaried or self-employed
-
Minimum income: ₹20,000/month (salaried), ₹30,000/month (self-employed)
-
CIBIL Score: 700+
-
Age: 21-65 years
Documents Required:
-
PAN Card/Form 60
-
Aadhaar/ID Proof
-
Address Proof
-
Income Proof
Fees & Charges:
💳 Lifetime Free – No joining or annual fees!
3. SBI Simply Click Credit Card – Best for Online Shopping
Why Choose SBI Simply Click Credit Card?
The SBI Simply Click Credit Card is perfect for students who frequently shop online. With bonus rewards on major e-commerce platforms, this card ensures maximum savings.
Top Benefits:
₹500 Amazon Gift Card as a welcome gift
10X Reward Points on Online Spends with Apollo 24×7, Myntra, BookMyShow, Netmeds, and more
5X Reward Points on All Other Online Transactions
₹2,000 e-Vouchers on annual online spends of ₹1L and ₹2L
1% Fuel Surcharge Waiver for spends between ₹500 – ₹3,000
Annual Fee Waiver on yearly spends above ₹1L
Earn ₹1,500 Profit on Activation
Eligibility & Documents Required:
Eligibility:
-
Salaried or self-employed
-
Minimum income: ₹30,000/month
-
CIBIL Score: 650+
-
Age: 23-60 years
Documents Required:
-
PAN Card/Form 60
-
ID Proof & Address Proof
-
Income Proof
Fees & Charges:
Joining Fee: ₹499 + GST
Annual Fee: ₹499 + GST (waived off on ₹1L yearly spends)
4. IDFC FIRST Credit Card – Best for Reward Points & Discounts
Why Choose IDFC FIRST Credit Card?
For students who love discounts and rewards, the IDFC FIRST Credit Card offers lifetime free membership, exclusive cashback offers, and merchant discounts.
Top Benefits:
Lifetime FREE – No Joining or Annual Fee
Reward Points Never Expire – Get 10X points on your spending
Interest-Free ATM Withdrawals – Up to 48 days
₹500 Gift Voucher on spending ₹15,000 in first 90 days
Complimentary Roadside Assistance worth ₹1,399
4 Complimentary Railway Lounge Access Per Quarter
4 Complimentary Domestic Airport Lounge Access Per Quarter (for monthly spends above ₹5,000)
Fuel Surcharge Waiver (Up to ₹200/month)
Earn ₹1,050 Profit on Activation
Additional Partner Discounts:
✔ 10% Discount on Flipkart, Myntra, AJIO, Tata CliQ, Sugar Cosmetics, Zomato, Yatra, and more
Eligibility & Documents Required:
Eligibility:
-
Salaried or self-employed
-
Minimum income: ₹25,000/month
-
CIBIL Score: 750+
-
Age: 21-60 years
Documents Required:
-
PAN Card/Form 60
-
ID Proof & Address Proof
-
Income Proof
Fees & Charges:
💳 Lifetime Free – No joining or annual fees!
5. SBI Cashback Credit Card – Best for Cashback Lovers
Why Choose SBI Cashback Credit Card?
The SBI Cashback Credit Card is a top pick for students who want to maximize cashback on every transaction.
Top Benefits:
5% Cashback on Online Spends (up to ₹5,000/month)
1% Cashback on Offline Spends
1% Fuel Surcharge Waiver for spends between ₹500 – ₹3,000
Up to 3 Add-on Cards for Free
Earn ₹1,700 Profit on Activation
Eligibility & Documents Required:
Eligibility:
-
Salaried or self-employed
-
Minimum income: ₹30,000/month
-
CIBIL Score: 650+
-
Age: 21-65 years
Documents Required:
-
PAN Card/Form 60
-
ID Proof & Address Proof
-
Income Proof
Fees & Charges:
Joining Fee: ₹999 + GST
Annual Fee: ₹999 + GST (waived on spends above ₹2L)
6. HSBC Live Plus Credit Card – One of the Best Cashback Credit Cards in India!
Why Should You Apply for HSBC Live Plus Credit Card?
If you love cashback offers, the HSBC Live Plus Credit Card is a perfect choice. It offers generous cashback on dining, groceries, and more.
Here’s why it stands out:
- 10% Cashback on dining, food delivery, and grocery spending (capped at ₹1,000 per billing cycle).
- 4 Complimentary Domestic Lounge Visits Per Year (1 per quarter).
- 1.5% Unlimited Cashback on all other spends.
- ₹1,000 Cashback Bonus upon spending ₹20,000 within 30 days of activation.
- Exclusive Monthly Offers on Amazon, Amazon Pay, Blinkit, EazyDiner, and more.
Eligibility Criteria
- Age: 21 to 65 years
- Employment Status: Salaried
- Minimum Income: ₹55,000 per month
- Credit Score: 750+
- New to Credit Allowed? Yes (only for salaried individuals)
Required Documents
- ID Proof: PAN Card/Form 60, Passport
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Salary slips or bank statements
- Photograph: Recent passport-sized photo
Fees & Charges
- Joining Fee: ₹999 + GST
- Annual Fee: ₹999 + GST (Waived on annual spends of ₹2,00,000 or more)
Important Terms & Conditions
- Existing HSBC Bank customers are not eligible.
- Use an Aadhaar-linked mobile number for application.
- A minimum transaction of ₹100 is required within 30 days to activate the card.
7. HSBC Platinum Credit Card – Lifetime FREE Credit Card
No Joining Fee | No Annual Fee
Why Choose This Card?
Lifetime FREE Credit Card – No joining or annual fee
Earn 2 Reward Points for every ₹150 spent
Unlock 5X Reward Points (10 RP per ₹150) on annual spends above ₹4,00,000 (Max: 15,000 bonus RP per year)
Redeem Points for Air Miles on InterMiles, British Airways & Singapore Airlines (2 RP = 1 Air Mile)
Amazon Voucher Worth ₹500 on spending ₹5,000 within the first 30 days
Buy 1 Get 1 FREE Movie Ticket on BookMyShow (Up to ₹250, Saturdays only)
Exclusive Offers & Discounts
₹500 Instant Discount on Amazon (EMI Transactions)
Up to 15% Off on EazyDiner (Min ₹2,500 spend, Save up to ₹500)
Up to 15% Off on MakeMyTrip (Valid on domestic & international bookings, Once per month)
Save up to ₹5,000 at Croma (In-store & Online, Once per month on weekends)
Fuel Surcharge Waiver – Save up to ₹3,000 annually
Eligibility Criteria
Age: 21 to 65 years
Employment: Only Salaried
Minimum Monthly Income: ₹55,000
CIBIL Score: 750+
Available in: Bengaluru, Chennai, Delhi NCR, Pune, Noida, Hyderabad, Mumbai, Kochi, Coimbatore, Jaipur, Chandigarh, Ahmedabad, Kolkata
New to Credit (NTC) Allowed for Salaried Individuals
Documents Required
Address Proof
ID Proof
Income Proof
PAN Card / Form 60
Fees & Charges
Joining Fee: NIL
Annual Fee: NIL
Reward Points Redemption
Redeem Points for Gift Vouchers & Airline Miles
Available at Amazon, Flipkart, Tanishq, Apple Imagine, Myntra, Shoppers Stop & more
1 RP = ₹0.2 – ₹0.35 (Varies by brand)
Important Terms & Conditions
Aadhaar-linked mobile number required for application
Existing HSBC customers (Savings, Loans, FD, or Credit Cards) are not eligible
No profit or cashback on referrals
Minimum ₹100 transaction required within 30 days for activation
Tracking Time: 72 hours after application ID generation
Approval Timeline: Within 75 days of card activation
8. IDFC FIRST WOW Credit Card – Lifetime Free, Never-Expiring Rewards!
Why Should You Apply for the IDFC FIRST WOW Credit Card?
The IDFC FIRST WOW Credit Card is a secured credit card with zero joining and annual fees. It is backed by a fixed deposit, making it an ideal choice for first-time credit card users and those looking to build their credit score.
Here’s why you should get this card:
- Lifetime Free Card – No joining or annual fees.
- No Credit History or Income Proof Required – Easily available with a fixed deposit.
- Interest-Free ATM Cash Withdrawals for up to 48 days.
- Unlimited Reward Points that never expire.
- Earn 7.5% Interest on Your Fixed Deposit.
- Get up to 20% Discounts on 1,500+ restaurants across India.
Exclusive Partner Discounts
- 50% Off on BookMyShow Movie Tickets.
- 10% Instant Discount on Flipkart, Myntra, Tata CliQ, 1MG, and more.
- 15% Instant Discount on Palette, Sugar Cosmetics, Zomato, and more.
- Zero Forex Conversion Fee on international transactions.
- Personal Accident Cover of ₹2,00,000.
Eligibility Criteria
- Age:
- Salaried: 21-60 years
- Self-Employed: 25-60 years
- Credit Score: Not required (secured card).
Fees & Charges
- Joining Fee: Nil
- Annual Fee: Nil
Important Terms & Conditions
- Only new IDFC credit card applicants are eligible.
- A minimum transaction of ₹100 is required within 30 days to activate the card.
9. SBI BPCL Credit Card – Best Card for Fuel!
Why Should You Apply for the SBI BPCL Credit Card?
The SBI BPCL Credit Card is an excellent choice for those who frequently spend on fuel. This card provides amazing cashback and reward points, making your fuel purchases more affordable.
Here’s why you should consider this card:
- 2,000 Activation Bonus Reward Points worth ₹500 upon payment of the joining fee.
- 4.25% Valueback on fuel purchases – Earn 13X Reward Points at BPCL petrol pumps.
- 3.25% cashback + 1% Fuel surcharge waiver at BPCL fuel stations (up to ₹400 per month).
- 5X Reward Points on categories like groceries, departmental stores, movies, and dining.
- 1 Reward Point per ₹100 spent on all other non-fuel purchases.
- Exclusive discounts on e-commerce sales – Get 10% Instant Discount with SBI Card during major sales.
Eligibility Criteria
- Age: 23-60 years
- Employment Status: Salaried or Self-Employed
- Minimum Income: ₹30,000 per month
- Credit Score: 650+
- New to Credit Allowed? Only for salaried applicants
- Preference Given to: Existing credit card holders with no delayed payments in the last 12 months
Required Documents
- ID proof (Aadhaar, Passport, PAN, etc.)
- Address proof (Utility bills, Aadhar, etc.)
- Income proof (Salary slip, Bank statement)
Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST (waived on high annual spends)
Important Terms & Conditions
- Use an Aadhaar-linked mobile number for application.
- Existing SBI credit card holders are not eligible for this card.
- Tracking time: 72 hours after application ID generation.
- A minimum transaction of ₹100 is required within 30 days to activate the card.
10. SBI Miles Credit Card – Best for Frequent Travelers
Why Should You Apply for the SBI Miles Credit Card?
If you love traveling, the SBI Miles Credit Card is one of the best options. It offers exclusive travel benefits and valuable reward points that can be redeemed for flights, hotel stays, and more.
Here’s why it’s a great choice:
- 1,500 Travel Credits as a Welcome Gift upon spending ₹30,000 within the first 60 days.
- Earn 2 Travel Credits for every ₹200 spent on travel and 1 Travel Credit for all other spends.
- Redeem Travel Credits for Air Miles, Hotels, Travel Bookings, or other exciting rewards.
- Complimentary Domestic Lounge Access for every ₹1 lakh spent.
- 5,000 Bonus Travel Credits on annual spends of ₹5 lakhs.
- Annual Fee Waiver upon spending ₹6 lakh in a year.
- Low Foreign Currency Mark-up Fee of 3% – Perfect for international transactions.
- 1% Fuel Surcharge Waiver (up to ₹250 per month).
- Complimentary Priority Pass Membership for the first 2 years.
Eligibility Criteria
- Age: 21 to 65 years
- Employment Status: Salaried or Self-Employed
- Minimum Income:
- Salaried: ₹60,000 per month
- Self-Employed: ₹7,20,000 per year
- Credit Score: 750+
- New to Credit Allowed? No
Required Documents
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar, Passport, or utility bills
- Income Proof: Bank statements or salary slips
- Photograph: Recent passport-sized photo
Fees & Charges
- Annual Fee: ₹1,499 + GST
- Renewal Fee: ₹1,499 + GST (Waived on ₹6,00,000 annual spends)
Important Terms & Conditions
- Existing SBI Credit Card holders are not eligible.
- Tracking time: Within 72 hours after application ID generation.
- A minimum transaction of ₹100 is required within 30 days to activate the card.
11. AU Altura Credit Card – Smart Cashback & Savings!
🎁 Welcome Benefit: 5% Cashback on ₹2,500+ spends in the first 60 days!
💡 Why Choose This Card?
2% Cashback on Groceries, Departmental Stores & Utility Bills
1% Cashback on all other retail spends
Extra ₹50 Cashback on monthly retail spends of ₹10,000+
2 Free Railway Lounge Access per quarter
1% Fuel Surcharge Waiver (₹400-₹5,000 transactions)
Convert Transactions of ₹2,000+ into EMI
📌 Eligibility:
Age: 21-60 years
Income: ₹25,000 per month
Existing Credit Card with ₹30,000 limit (6+ months old)
Credit Score: 700+
12. AU Altura Plus Credit Card – Premium Benefits & Rewards!
🎁 Welcome Gift: ₹500 Vouchers on ₹10,000+ spends within 60 days!
💡 Why Choose This Card?
1.5% Cashback on all POS retail spends (excluding fuel)
2X Reward Points on online transactions
2 Free Railway Lounge Access per quarter
1% Fuel Surcharge Waiver
Convert Transactions of ₹2,000+ into EMI
📌 Eligibility:
Age: 21-60 years
Income: ₹35,000 per month
Credit Score: 700+
13. Axis Airtel Credit Card – Seamless Connections, Superior Rewards!
Unlock Exciting Cashback & Lounge Access
Why Choose This Card?
Amazon eVoucher Worth ₹500 on your first transaction within 30 days
25% Cashback on Airtel Mobile, Broadband, DTH & WiFi bill payments via Airtel Thanks app (Up to ₹250/month)
10% Cashback on Swiggy, Zomato & BigBasket (Up to ₹500/month)
10% Cashback on Utility Bill Payments (Electricity, Gas, etc.) via Airtel Thanks app (Up to ₹250/month)
1% Cashback on all other spends
4 Complimentary Lounge Visits within India (4 per year) on minimum spends of ₹50,000 in the previous 3 months
1% Fuel Surcharge Waiver on fuel purchases across India
Up to 15% Off at partner restaurants via EazyDiner
Eligibility Criteria
Employment Status: Salaried or Self-Employed
New to Credit: Not Allowed
Minimum Monthly Income: ₹15,000 (Salaried), ₹30,000 (Self-Employed)
Age: 21-70 years
CIBIL Score: 730+
Documents Required
PAN Card / Form 60
ID Proof
Address Proof
Bank Statement or Income Proof
Color Photographs
Fees & Charges
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (Waived on annual spends above ₹2,00,000)
Important Terms & Conditions
Aadhaar-linked mobile number required for application
Existing Axis Bank customers must use their registered mobile number
Full name is mandatory (applications with a single name not accepted)
Minimum ₹100 transaction required within 30 days for activation
Cashback earned will be adjusted in the next credit card statement
Lounge access benefit is applicable after meeting the spending criteria
Approval Timeline: 75 days after card activation
14. IndusInd Legend Credit Card – Experience the Best of Travel, Dining & Shopping!
A Lifetime Free Card with Exclusive Benefits!
Why Choose This Card?
Lifetime FREE Card – No Joining & Annual Fees
Earn Reward Points:
-
1 Reward Point per ₹100 spent on weekdays
-
2 Reward Points per ₹100 spent on weekends
Buy 1 Get 1 Free on BookMyShow – Up to 3 free movie tickets every month
Lowest Forex Markup Charge – Just 1.8% on international transactions
ICICI Lombard General Travel Insurance for added security
Exclusive Partner Discounts
🎧 Flat 10% Off sitewide on boAt products
🛒 ₹250 Instant Discount on BigBasket (Min. purchase ₹2,000)
🎬 ₹100 Off on Food & Beverage at PVR Cinemas (Orders Above ₹350)
👗 15% Extra Discount on Lifestyle (Orders Above ₹1,999)
🍽️ Instant discounts on Swiggy, EazyDiner, Titan, Reliance & more!
Eligibility Criteria
New to Credit: Allowed
Employment Status: Salaried or Self-Employed
Minimum Monthly Income: ₹80,000 (Salaried), ₹1,00,000 (Self-Employed)
Age: 21-65 years
Credit Score: 650+ (No delayed payments in the last 12 months)
Preferred: Existing Home/Auto Loan or Credit Card (₹50,000+ limit)
Documents Required
ID Proof
Address Proof
Income Proof
PAN Card / Form 60
Fees & Charges
Lifetime Free Card
Joining Fee: Nil
Annual Fee: Nil
Important Terms & Conditions
Aadhaar-linked mobile number required for application
Existing IndusInd Credit Card holders are not eligible
Minimum ₹100 transaction required within 30 days for activation
Lounge access, discounts & reward benefits subject to eligibility
Approval Timeline: 75 days after card activation
15. Axis Flipkart Credit Card – Get Exclusive Rewards on Every Spend!
Enjoy accelerated cashback & premium benefits!
Why Choose This Card?
🎁 Welcome Benefit: Get a ₹500 Flipkart E-Gift Voucher on card activation
💰 Cashback Benefits:
-
5% Cashback on Flipkart
-
4% Cashback on Swiggy, Uber, PVR, Cleartrip, Curefit & Tata Play
-
1.5% Cashback on all other spends (Excluding wallet loads, EMI, rent, jewelry & government services)
✈️ 4 Complimentary Domestic Lounge Visits per year
⛽ 1% Fuel Surcharge Waiver on fuel purchases across India
Eligibility Criteria
Employment Status: Salaried or Self-Employed
CIBIL Score: 730+
Minimum Monthly Income: ₹15,000 (Salaried) | ₹30,000 (Self-Employed)
Age: 21-70 years
New to Credit: Not allowed
Documents Required
Aadhaar-linked Mobile Number
PAN Card / Form 60
ID Proof
Address Proof
Income Proof
Fees & Charges
💳 Joining Fee: ₹500 + GST (Waived on Flipkart Gift Voucher)
💳 Annual Fee: ₹500 + GST (Waived on spending ₹2,00,000 annually)
Important Terms & Conditions
Aadhaar-linked mobile number required for application
Existing Axis Bank credit card holders are not eligible
Full name is mandatory (Applications with a single name won’t be accepted)
A ₹100 minimum transaction required within 30 days for activation
Approval Timeline: 75 days after activation
16. Axis Indian Oil RuPay Credit Card
Fuel More, Save More!
Why Choose This Card?
100% Cashback up to ₹250 on all fuel spends within the first 30 days
10% instant discount on movie tickets booked via BookMyShow
Up to 15% discount at partner restaurants
Higher reward points on fuel and other spending
Eligibility Criteria
Employment: Salaried or Self-Employed
CIBIL Score: 730+
Income: ₹15,000/month (Salaried), ₹30,000/month (Self-Employed)
Age: 21-65 years
Fees & Charges
Joining Fee: ₹500 (excluding GST)
Annual Fee: ₹500 (excluding GST) (Waived on ₹50,000 annual spends)
Interest Rate: 3.6% per month
Cash Withdrawal Charges: 2.5% (Min ₹500)
Important Terms & Conditions
-
Use Aadhaar-linked mobile number to apply
-
Existing Axis customers must use their registered mobile number
-
Minimum ₹100 transaction required within 30 days for activation
-
Application tracking time: 72 hours
-
Confirmation timeline: Within 75 days of card activation
17. Axis Magnus Credit Card
A Premium Card for Travel, Dining & Shopping!
Why Choose This Card?
Complimentary luxury brand voucher worth ₹12,500
Unlimited domestic & international lounge access
Up to 15% off on Oberoi & Trident Hotels stays
Exclusive dining & entertainment offers
Additional Features
8 complimentary airport meet & assist services
Buy one movie/non-movie ticket & get up to ₹500 off on the second (5 times/month)
Up to 40% off at 4,000+ restaurants
Virtual health assistance & preventive healthcare packages
Eligibility Criteria
Minimum Income: ₹18 lakh per annum
CIBIL Score: 730+
Age: 21-65 years
Fees & Charges
Joining Fee: ₹12,500 + Taxes
Annual Fee: ₹12,500 + Taxes (Waived on ₹25 lakh annual spends)
Interest Rate: 2.5% per month
Important Terms & Conditions
-
Aadhaar-linked mobile number required
-
Full name is mandatory (single-name applications not accepted)
-
Minimum ₹100 transaction required within 30 days for activation
18. AU LIT Credit Card
A Customizable Card That Fits Your Lifestyle!
Why Choose This Card?
Lifetime FREE credit card
Customize benefits as per your needs
Exclusive partner discounts on Flipkart, Myntra, Tata CliQ & more
Exclusive Partner Discounts
10% Instant Discount on Flipkart (Orders Above ₹10,000)
10% Off on Myntra (Orders Above ₹3,999)
15% Off on Tata CliQ (Orders Above ₹500)
Customizable Benefits
₹49 for 90 Days – Fuel surcharge waiver
₹99 for 90 Days – 3-month ZEE5 membership
₹199 for 90 Days – Domestic lounge access, Amazon Prime, 5X reward points
₹299 for 90 Days – Dining, grocery, travel cashback, 10X reward points
₹499 for 90 Days – 3-month Cult.fit membership
Eligibility Criteria
Employment: Salaried or Self-Employed
Minimum Income: ₹25,000/month
Age: 21-60 years
Existing credit card (6 months old) with ₹30,000+ limit required
No delayed payments in the last 12 months
Important Terms & Conditions
-
Aadhaar-linked mobile number required
-
Tracking time: 72 hours after application ID generation
-
Confirmation timeline: Within 75 days of card activation
19. IndusInd Platinum Credit Card
A Lifetime Free Credit Card with Travel & Lifestyle Benefits!
Why Choose This Card?
Lifetime FREE – No joining or annual fees
Earn 1.5 Reward Points per ₹150 spent (1 RP = ₹0.65)
1% fuel surcharge waiver across all petrol pumps
Complimentary travel & personal accident insurance up to ₹25 lakh
Exclusive Partner Discounts
₹400 Off on Ajio (Orders Above ₹2,000)
₹100 Off on PVR F&B purchases above ₹350
15% Off on Lifestyle (Orders Above ₹1,999)
₹1,000 Off on EaseMyTrip flight & hotel bookings
15% Off (Up to ₹500) on EazyDiner
Eligibility Criteria
Income: ₹20,000 (Salaried) | ₹30,000 (Self-Employed)
Age: 21-65 years
CIBIL Score: 650+
No delayed payments in the last 12 months
Existing credit card with ₹50,000+ limit preferred
Fees & Charges
💳 Joining Fee: NIL
💳 Annual Fee: NIL
Important Terms & Conditions
-
No physical documents required, just Aadhaar & PAN
-
Tracking time: 72 hours after application ID generation
-
Confirmation timeline: Within 75 days of card activation
20. Axis Indian Oil RuPay Credit Card – Maximize Rewards on Fuel & More!
Get accelerated rewards every time you refuel!
Why Choose This Card?
⛽ 100% Cashback on Fuel – Get up to ₹250 cashback on all fuel transactions within the first 30 days
🎬 10% Instant Discount on Movie Tickets – When booked via BookMyShow
🍽️ Up to 15% Discount at Partner Restaurants
🏆 Accelerated Rewards – Earn more on fuel and daily spending
Eligibility Criteria
Employment Status: Salaried or Self-Employed
CIBIL Score: 730+
Minimum Monthly Income: ₹15,000 (Salaried) | ₹30,000 (Self-Employed)
Age: 21-65 years
New to Credit: Not allowed
Available in Major Cities Across India
Fees & Charges
Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST (Waived on spending ₹50,000 in a calendar year)
Interest Rate: 3.6% per month
Cash Withdrawal Charges: 2.5% (Minimum ₹500)
Documents Required
Aadhaar-linked Mobile Number
PAN Card / Form 60
ID Proof
Address Proof
Income Proof
Important Terms & Conditions
Aadhaar-linked mobile number required for application
Existing Axis Bank credit card holders are not eligible
Full name is mandatory (Applications with a single name won’t be accepted)
A ₹100 minimum transaction required within 30 days for activation
Approval Timeline: 75 days after activation
Conclusion (Student Credit Cards)
Student credit cards offer a convenient way to manage finances, earn rewards, and enjoy exclusive benefits like cashback, discounts, and complimentary services. Whether you’re looking for fuel savings, travel perks, dining discounts, or everyday cashback, there is a credit card to suit your lifestyle. Before applying, ensure you meet the eligibility criteria and understand the terms, including fees, interest rates, and rewards structure. Choose the best card based on your spending habits to maximize benefits.
FAQs About Student Credit Cards
1. Can I apply for multiple credit cards at once?
Yes, but applying for multiple credit cards simultaneously can impact your credit score and reduce approval chances due to multiple hard inquiries.
2. What is the minimum credit score required for these credit cards?
Most of these cards require a CIBIL score of 650+ or 730+, depending on the card. Some cards allow applicants who are new to credit.
3. How long does it take for a credit card application to be approved?
Approval timelines vary but generally take between 3 to 7 days. Some banks confirm within 72 hours, while final activation confirmation can take up to 75 days.
4. What happens if I don’t activate my credit card?
If you don’t make a minimum transaction (₹100 for most cards) within 30 days, your card may remain inactive, and you won’t receive benefits like welcome rewards.
5. Can I get a credit card without income proof?
Most banks require income proof (salary slips, bank statements, or ITR for self-employed individuals). Some banks may offer cards against a fixed deposit if income proof is unavailable.
6. What is the difference between a lifetime free credit card and a paid card?
Lifetime free cards have no joining or annual fees, while paid cards charge a fee, which may be waived off based on spending milestones.
7. How can I increase my credit limit?
You can request a credit limit increase after 6-12 months of responsible usage, timely payments, and maintaining a good credit score. Banks may also offer automatic limit enhancements.
8. Are there any hidden charges on credit cards?
Most charges, such as joining fees, annual fees, and interest rates, are disclosed upfront. However, late payment fees, cash withdrawal charges, and foreign exchange markup fees may apply.
9. Can I use these credit cards internationally?
Many credit cards allow international usage, but they may have forex markup fees (ranging from 1.8% to 3.5%). Some premium cards offer lower forex charges.
10. How do I avoid paying interest on my credit card?
To avoid interest, always pay the full outstanding balance by the due date. Paying only the minimum due amount will result in high interest charges on the remaining balance.
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