How Do I Get A Student Credit Card?
Check your eligibility:
Before applying for a credit card, make sure that you are eligible for a student credit card.
- Age : Your age must be 18.
- Status : You must have a proof that you are a student. If proof of a collage or university.
- Income : It depends on credit card providers. Some requires income proof and some doesn't.
Research for Different Student Credit Cards
Take a look for the credit cards which are only designed for students. They have less requirements and more benefits like low credit limits, cashback, rewards and various offers.
Do compare all the credit cards on the basis of :
- Annual fees
- Interest rates
- Reward and cashback offers
- Credit building features
How to apply for a credit card as a student
Collect the necessary documents before applying for a student credit card such as
- Proof of student status ( student id)
- Identification ( Adhar card, license etc.)
- Income proof (if required)
- Pan card
Today almost all the credit card issuers allow you to apply online for a student credit card. You can also visit a nearby bank. Ensure you have filled accurate information in the application form.
Use the Credit Card with Responsibility:
- Pay your credit card bills on time.
- Try to utilise only 30 to 40% of your credit.
- Be are from unnecessary debt and expenses.
- Make essential purchase only.
Here are some trustable student credit card issuers
- SBI Cards
- ICICI Bank
- HDFC Bank
- Kotak Mahindra Bank
- Axis Bank
