Best Students Credit Cards 2022
List of Best Students Credit Cards in India
- SBI Student Plus Advantage Credit Card
- HDFC Bank (ISIC Student) ForexPlus Card
- ICICI Bank Student Forex Prepaid Card
- Kotak 811 DreamDifferent Credit Card
Credit Card | Best For | Annual Fee (INR) |
---|---|---|
SBI Student Plus Advantage Credit Card | International Spend | NIL |
HDFC Bank (ISIC Student) ForexPlus Card | International Safety | NIL |
ICICI Bank Student Forex Prepaid Card | International Discount | 199 |
Kotak 811 DreamDifferent Credit Card | Reward points | NIL |
4. Kotak 811 DreamDifferent Credit Card

Kotak 811 DreamDifferent Credit Card
No joining and annual fees.
Reward Points
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- Earn 2 reward points against every Rs. 100 of online spends
- Earn 1 reward point against every Rs. 100 of other spends
Welcome Benefits
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- Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up
- Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up
Interest free cash withdrawal
-
- You can withdraw cash up to 90% of your total credit limit
- You can withdraw cash up to 90% of your total credit limit
Fuel & Railway Surcharge waiver
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- 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000 (max. Rs. 3500/year)
- 1.8% for transactions on irctc.co.in & 2.5% Indian railway booking counters (max Rs. 500/year)
811 DreamDifferent Shield
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- In case your Credit Card is stolen, you get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre reporting
- You must be age between 18 to 75
- Minimum FD Amount - Rs. 10,000
- Only Individual TDs are allowed
- Applicant should be a resident of India
- NRI customer can only apply via offline process
- No Joining and Annual Fees
- Against FD Amount - Rs. 10,000
3. ICICI Bank Student Forex Prepaid Card

ICICI Student Forex Prepaid Card
No joining and annual fees.
Joining Benefits
- International Student Identity Card membership worth INR 590
- 40% discount on excess baggage
- 20% discount on courier service by DHL.
- Card Protection Plus insurance worth INR 1,600
- Croma shopping voucher.
- Lost card/Counterfeit card liability coverage up to Rs. 5,00,00
- Identification Proof (PAN Card/Aadhaar Card/ Passport/ Driving License)
- Residence Proof (Aadhaar Card/ Passport/ Driving License/Electricity Bill/Telephone Bill)
- Education Loan Account Statement
- Fixed Deposit Account Receipt
- Passport Size Photograph
- Student ID Card
- Joining fee - INR 499
- Annual fee - INR 199
2. HDFC Bank (ISIC Student) ForexPlus Card

ISIC Student ForexPlus Card
No joining and annual fees.
Forex
- Available in the three most widely accepted currencies – USD, Euro and GBP
- Get money from ATMs in the desired local currency during travel
- Once loaded, be worry-free about forex fluctuations in these currencies
Reloading
Instantly reload your card from anywhere across the world through Prepaid NetBanking
Safety
- Be protected from skimming and misuse with the EVM chip in your card
- Do not stress about damage, loss or misuse (as with travellers cheque/cash)
Global use
- Accepted as student identity card world wide
- Can be used at VISA/MasterCard affiliated establishments around the world
Global assistance
- In the event of Loss of Card / card not working, get Emergency Cash delivery assistance service across the globe
- ISIC ForexPlus Card application form
- Aadhaar Card
- Appointment Letter / Admission Letter / University Identity Card
- A photocopy of your passport
- Scanned passport size photograph with white background
- Residence Proof (Aadhaar Card/ Passport/ Driving License/Electricity Bill/Telephone Bill)
- Education Loan Account Statement
- Fixed Deposit Account Receipt
- Passport Size Photograph
- Student ID Card
Schedule of charges | Charge for the USD Card | Charge on the EURO card | Charge on the GBP card |
Issuance Fee | ₹.300 | Rs.300 | Rs.300 |
Reload Fee | ₹.75 | Rs.75 | Rs.75 |
Re-issue Card Fee | ₹.100 | Rs.100 | Rs.100 |
ATM Cash Withdrawal | USD 2.00 | EUR 1.50 | GBP 1.00 |
ATM Cash Withdrawal | USD 2.00 | EUR 0.50 | GBP 0.50 |
GST is applicable
Other charges
Balance Enquiry | USD 0.50 |
Up to Rs 1 lakh | 0.18% of the gross value or Rs 45—whichever is higher |
Rs 1 lakh – Rs 10 lakhs | Rs 180 + 0.09% of the amount exceeding Rs. 1 lakh |
> Rs. 10 lakhs | Rs. 990 + 0.018% of the amount exceeding Rs. 10 lakhs |
1. SBI Student Plus Advantage Credit Card

SBI Student Plus Advantage Credit Card
No joining and annual fees.
Reward points
- 10X Reward Points on your spends at all Departmental and Grocery stores
- 10X Reward Points on your International spends
- 1 reward point per Rs. 100 spent
Fuel Surcharge Waiver
- 2.5% fuel surcharge waiver for every petrol pump in India, transaction between Rs. 500 and Rs. 3000
Extra benefits
- Register free of cost in IRCTC official website, and Booking online Railway Tickets
- Utility Bill Payment facility
- Identification Proof (PAN Card/Aadhaar Card/ Passport/ Driving License)
- Residence Proof (Aadhaar Card/ Passport/ Driving License/Electricity Bill/Telephone Bill)
- Education Loan Account Statement
- Fixed Deposit Account Receipt
- Passport Size Photograph
- Student ID Card
- No Joining fee
- Renewal fee Rs. 500
- Total purchases on the card in the previous year Rs. 35,000 or above, annual fee waived off
Student Credit Cards: Eligibility and Documents required
Eligibility:
- The minimum age limit is 18 years
- Applicant must be enrolled at a college
- Residential Address
- No Legal issues
Documents:
- PAN card
- Residential Address proof
- Birth Certificate
- Institute Identity card
- Passport-sized photos