Best Credit Card in India for Students:

  1. SBI Student Plus Advantage Card:
    • This credit card is specifically designed for students.
    • It often offers benefits like a lower annual fee and rewards on educational spending.
    • Provides discounts on various lifestyle and entertainment expenses.
  2. HDFC Bank ISIC Student ForexPlus Card:
    • While not a conventional credit card, it’s a prepaid card designed for students traveling abroad.
    • It comes with the ISIC (International Student Identity Card) membership, providing various discounts globally.
    • It’s preloaded with foreign currency, making it convenient for students studying abroad.
  3. Axis Bank Insta Easy Credit Card:
    • It’s designed for individuals with a limited credit history, including students.
    • The application process is relatively simple, making it accessible for students.
    • Provides basic credit features and can be a good starting point for building a credit history.
  4. ICICI Bank Student Travel Card:
    • Similar to HDFC’s offering, this is a prepaid travel card designed for students going abroad.
    • It can be loaded with foreign currency and used for transactions abroad.
    • Offers various discounts and benefits for students.
  5. Kotak Mahindra Bank Aqua Gold Card:
    • This is another entry-level credit card suitable for those with limited credit history.
    • It’s relatively easy to obtain, making it a good choice for students.
    • Provides basic features and helps in building a credit history.

Before applying for any credit card, make sure to consider the following:

  • Credit Limit: As a student, you may not need a high credit limit, but it’s essential to have a card that meets your basic needs.
  • Annual Fee: Look for cards with low or no annual fees, especially for students on a tight budget.
  • Rewards and Discounts: Choose a card that offers rewards or discounts on categories that align with your spending habits, such as education-related expenses or online shopping.
  • Credit Building: If you’re a student looking to build your credit history, consider a card that reports to credit bureaus and helps establish your creditworthiness.

Always read the terms and conditions of the credit card carefully before applying. Additionally, since offerings can change, it’s advisable to check with the respective banks for the most up-to-date information.

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