COLLEGE & SECURED CARDS · ZERO INCOME REQUIREMENT · RBI COMPLIANT

Student Credit Cards in India

College students and first-time applicants under 21 rarely possess the payslips or 3-year Income Tax Returns demanded by commercial bank algorithms. This directory documents verified student and secured credit cards issued against Fixed Deposit (FD) collateral or linked to recognized education loan accounts, providing a safe gateway to establish a pristine CIBIL credit score without predatory interest traps.

Browse Cards by Target Segment

All Cards117 Student4 Salaried12 Self-Employed104 Travel47 Fuel7 Rewards41 Lifetime Free22

1. Fixed Deposit Collateral

Most student cards are issued against a fixed deposit (typically ₹10,000 to ₹25,000). The credit limit is set at 80% to 90% of the deposit amount while the underlying FD continues earning full compound interest.

2. Zero Income Proof Needed

Because the bank holds lien on the fixed deposit, standard underwriting hurdles like salary slips, Form 16, and CIBIL score history are waived. Applicants need only standard KYC (Aadhaar & PAN) and college enrollment proof.

3. Establishing Credit Score

Repaying monthly statements in full reports positive repayment records to CIBIL, Experian, and Equifax. Within 6–12 months, students graduate into high-tier unsecured credit cards with favorable interest rates.

Verified Student & Secured Cards (4)

100% Verified MITC

🎓StudentEntry-Level

Verified MITC

IDFC FIRST WOW Credit Card

SBI Card•Visa Infinite•आईडीएफसी फर्स्ट वाओ क्रेडिट कार्ड

FD-backed secured card with ZERO forex markup (0%), zero income proof, 100% credit limit against FD, and lifetime-free ownership.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessNo complimentary airport lounge access is included on this secured starter card.

Reward: 4X Reward Points on all retail transactions (effective 1.00% return). 1X Reward Point per ₹150 on utility and insurance spends. Reward points never expire.

Welcome: Zero joining fee, zero forex markup, and instant credit line activation linked to IDFC Fixed Deposit with zero income verification.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance fees.

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

Kotak 811 #DreamDifferent Credit Card

SBI Card•Visa•कोटक 811 #ड्रीमडिफरेंट क्रेडिट कार्ड

FD-backed Lifetime Free secured credit card for students and new earners with zero income proof, 90% credit limit, and early CIBIL score building.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Lounge AccessNo complimentary airport lounge access is included on this student/secured credit card.

Reward: 2 Reward Points per ₹100 spent on all online retail transactions. 1 Reward Point per ₹100 on offline retail spends.

Welcome: 500 bonus Reward Points credited upon card activation and spending ₹5,000 within the first 45 days of card issuance.

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual maintenance spends required.

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

SBI RuPay Classic Card (Jan Dhan Linked)

SBI Card•RuPay•एसबीआई रुपे क्लासिक कार्ड (जन धन योजना)

Financial inclusion RuPay card issued under PMJDY with ₹2 Lakh accidental insurance cover, ₹0 fee forever, and subsidized overdraft facility.

Joining / Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Maintenance Fee)

Lounge AccessNo complimentary airport lounge access is included on this Jan Dhan financial inclusion card.

Reward: Financial inclusion card designed for basic citizen transactions: 1 Reward Point per ₹200 on POS and e-commerce transactions. High subsidized merchant transaction convenience on Bharat BillPay and direct benefit transfer (DBT) subsidies.

Welcome: Zero joining fee, zero annual maintenance charge, and automatic non-contributory ₹2,00,000 accidental death/permanent disability insurance cover funded by NPCI (for cards issued after August 28, 2018).

Fee Waiver: Unconditionally Lifetime Free under Government of India Pradhan Mantri Jan Dhan Yojana (PMJDY) statutory guidelines.

Verified 2026-09-28Full MITC & Terms

🎓StudentEntry-Level

Verified MITC

SBI Student Plus Advantage Card

SBI Card•Visa•एसबीआई स्टूडेंट प्लस एडवांटेज कार्ड

Secured student credit card issued against SBI Fixed Deposit or Education Loan with zero income proof, 10X rewards on groceries/books, and early CIBIL score building.

Joining / Annual FeeNIL Joining Fee (Renewal: Nil or waived on ₹35,000 annual spend)

Lounge AccessNo complimentary airport lounge access.

Reward: 1 Reward Point per ₹100 spent on all regular retail purchases. 10X Reward Points (10 points per ₹100) on Departmental store, Grocery, and International book/educational spends.

Welcome: Zero joining fee and instant credit line activation linked to SBI Fixed Deposit without needing income tax returns or salary slips.

Fee Waiver: Spend ₹35,000 or more annually, or maintain active underlying SBI Education Loan / Fixed Deposit collateral.

Verified 2026-09-28Full MITC & Terms

Statutory Advisory for Students: A credit card is a revolving debt instrument, not free money. Interest charges on rolled-over balances can exceed 42% per annum. Never withdraw cash at ATMs using a credit card (cash advance carries instant finance charges from minute one with zero grace period). Always settle 100% of the Total Amount Due before the billing due date.