• Can I get a credit card as a student in India?
A student credit card is a credit card that is accessible to students at the college level. Any student beyond the age of 18 years is appropriate to apply for the credit card as it does not have an income eligibility limit. These credit cards have lower interest rates and have a validity period of 5 years.

• How Can a Student Apply for Credit Card in India?
Student credit cards are the modern entrants in the credit card industry that aid college students manage their expenses on their own. Though, not all the students are eligible to get a student credit card.
Numerous banks and financial institutions have come up with a diverse set of eligibility criteria to issue a student credit card. Only those who meet the criteria would become qualified to apply for a credit card.
While some banks such as the State Bank of India offer credit cards merely to its education loan customers, other banks such as ICICI Bank proposals student credit card over security deposits.
Whichever is the process, if individual are a student above 18 years of age and would like to apply for a student credit card, they must first know which bank is proposing best student credit cards and procedure to apply for the same.
Once they meet the eligibility criteria set by the bank, they can check with the bank about the procedure to apply for the same.
Not all the banks follow the same process. Henceforth, it’s imperious to talk to the bank personal about the bank-specific process of applying for a student credit card.
While a few banks permit individual to apply online, others may need they to visit the bank branch and submit an application directly.

• How to get student Credit Card?
Banks do not consider the income of the individual or Income Tax Returns for providing the student credit cards. The student credit card is offered by:

Add-on card: Under this, the bank asks the instant family member of an individual to apply for an Add-on card, which acts as a Student credit card. Good CIBIL score of the instantaneous family member is authoritative for an Add-on facility.
Secured credit card: Students above the age of 18 can also get the credit cards against Fixed Deposit. They can open an FD and get a student credit card against it or can ask the bank authority to proposal them the student credit cards if they already have the FD account.
Credit card against the education loan: Students can also get the student credit against the loan taken from the banks.
Strong saving account history: A few banks also offer the student credit cards option against the strong saving history. Thus maintaining a good savings account balance, or meeting the minimum savings account obligation may surely aid.


Student Credit Cards from Banks
• SBI Student plus Advantage Credit Card
This credit card has been intended exclusively for the customers who have availed State Bank of India’s education loan. To avail this credit card individual need to have a fixed deposit in any branch of SBI. The credit card offers individuals many privileges like zero annual or renewal fee which is bound to appeal they. No annual fee is charged if they make total purchases of more than Rs. 35,000 in the previous year. They not only earn one reward point for every Rs. 100 they spend but they can use the same reward points to pay off their outstanding balance.
Individual can use the SBI Student Plus Advantage Card in both India and abroad in more than 24 million outlets. Individual get the facility to transfer the left over balance of another credit card to their credit card and then get a lower interest rate and pay off the dues in EMIs. This will guarantee that they save some money when they pay the credit card dues.

• ICICI Bank Student Travel Credit Card
ICICI Bank Student Travel Card is a blessing in disguise for individual if they wish to study in abroad. They can use this credit card to pay their application and university fees either online or through a physical swipe. The card is very convenient to use since it permits them to accomplish their living expenses and is accepted at all outlets that take a MasterCard. They can withdraw cash from over 1.5 million MasterCard ATMs through this card.
Individual are allowed to an International Student Identity Card free memberships which will give them access to diverse discount welfares along with exciting destination offers. The tempting merchant proposals and discounts will be available in 131 countries containing India. Individual are also bound to get benefits from a travel insurance, advantageous forex rates, and other alliance proposals from the bank.

• HDFC Bank ISIC Student ForexPlus Credit Card
ISIC Student ForexPlus Card from HDFC Bank works a dual purpose of Credit Card and full time student Identity Card for student. Students who are studying abroad gets a global student ID which makes them eligible for special discounts & proposals on purchasing Books, Food, Shopping, Accommodation, Leisure activities, and travel across 130 countries from over 41000 outlets.
Thus individual Student Forex Card is a must have in their wallet. All they want to do is load their card with currency of their choice- from USD, GBP, or Euro and they can simply pay online or offline at their comfort. They can also use their card to withdraw easy cash from ATMs. They enjoy all welfares of online credit cards. Individual also get free insurance against credit card theft/ loss, air accident and baggage & passport loss.

• HDFC Bank ForexPlus Credit Card
HDFC ForexPlus Card is tailor made for any student who studies abroad and requirements finance in different currencies. This card works just like a credit card, the transaction amount will be debited from the HDFC ForexPlus Card balance directly.
The card is accessible in ten currencies which are recognized all over the world and thus student can change them into the currency of the nation they are currently in. It has adequacy in all merchant outlets which are associated to Visa or MasterCard. When they carry out any transaction in the card currency they won’t suffer due to the fluctuation market rates.
In case they are not a HDFC bank customer they need not worry. They still can avail this card, all they need to do is visit their near HDFC branch with the required documents.

• HDFC Bank Multicurrency Platinum ForexPlus Chip Credit Card
This card is basically perfect for students who have multi- destination traveling requirements and want to carry 23 currencies on one single card. Student can keep 23 foreign currencies in their HDFC Multicurrency Platinum ForexPlus Chip Card, thereby saving their money and time. This offers them complete protection against any kind of foreign exchange rate variation in the near future. They also receive an insurance cover of Rs. 5 Lakh for any kind of misuse of card, accident or fraud.
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