Best Students Credit Cards 2022

List of Best Students Credit Cards in India

Credit CardBest ForAnnual Fee (INR)
SBI Student Plus Advantage Credit CardInternational SpendNIL
HDFC Bank (ISIC Student) ForexPlus CardInternational SafetyNIL
ICICI Bank Student Forex Prepaid CardInternational Discount199
Kotak 811 DreamDifferent Credit CardReward pointsNIL

4. Kotak 811 DreamDifferent Credit Card

Kotak 811 DreamDifferent Credit Card
Kotak 811 DreamDifferent Credit Card

No joining and annual fees.

Reward Points

    • Earn 2 reward points against every Rs. 100 of online spends
    • Earn 1 reward point against every Rs. 100 of other spends

Welcome Benefits

    • 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

Fuel & Railway  Surcharge waiver

    • 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

    • 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 Bank Students Forex Prepaid Credit Cards
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 Students ForexPlus Credit Cards
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 Students Plus Advantage Credit Cards
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

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