Credit cards have become an essential financial tool, even for students. They not only help in building a good credit score from a young age but also provide a range of benefits like cashback, discounts, and rewards on purchases. However, most students face one common problem — income proof requirements. The good news is that many banks in India now offer student credit cards without income proof. In this blog, we will explore the best credit cards for students in India 2025, their features, eligibility, benefits, and how to apply.
Why Do Students Need a Credit Card?
- Helps in building a credit history early.
- Useful for online payments and subscriptions (OTT, courses, etc.).
- Emergency financial backup.
- Access to discounts on travel, shopping, and food.
- Teaches financial responsibility and money management.
Key Features of Student Credit Cards
- No income proof required (Issued against fixed deposit or student ID).
- Low credit limit (Usually ₹10,000 – ₹25,000).
- Minimal or zero annual fees.
- Reward points and cashback on spending.
- EMI option for big purchases.
Best Student Credit Cards in India 2025 (Without Income Proof)
1. SBI Student Plus Advantage Credit Card
- Issued against an FD (Fixed Deposit) in SBI.
- No annual fee if annual spending is above ₹35,000.
- Reward points on every purchase.
- Accepted worldwide.
- Fuel surcharge waiver.
Eligibility:
- Must be an SBI education loan borrower or
- Must have a Fixed Deposit (FD) in SBI
2. HDFC Bank ISIC Student ForexPlus Card
- Designed specially for students studying abroad.
- Recognized as an International Student Identity Card (ISIC).
- Discounts on travel, shopping, and study material.
- Safe for international transactions.
- 24×7 global customer support.
Eligibility:
- Available to students with valid admission abroad.
3. ICICI Bank Student Credit Card
- Available against education loan or FD.
- Low interest rates.
- Reward points on every spend.
- Easy online application.
- No need for income proof.
Eligibility:
- Students with an ICICI Bank education loan or FD.
4. Axis Bank Insta Easy Credit Card
- Issued against a fixed deposit with Axis Bank.
- Credit limit up to 80% of FD value.
- EMI option available.
- Fuel surcharge waiver.
- No income proof required.
Eligibility:
- Students holding an FD with Axis Bank.
5. Punjab National Bank (PNB) Global Student Credit Card
- Available for students taking an education loan from PNB.
- Low joining and annual fees.
- Cashback and reward points.
- Global acceptance.
Eligibility:
- Education loan borrowers from PNB.
6. BOB Financial Student Credit Card
- Backed by Bank of Baroda.
- No income proof required.
- Reward points on every purchase.
- Credit limit linked with FD.
- Minimal documentation.
Eligibility:
- Students with a Bank of Baroda FD.
Eligibility Criteria for Student Credit Cards
- Must be 18 years or older.
- Must be a student of a recognized college/university.
- Need to have an FD or education loan with the bank.
- Basic KYC documents (Aadhaar, PAN, student ID).
Documents Required
- Aadhaar Card
- PAN Card
- Passport size photographs
- Student ID card / Admission letter
- Fixed Deposit receipt / Education loan proof
How to Apply for a Student Credit Card in India 2025
1. Choose the bank offering student credit cards.
2. Open an FD or take an education loan (if required).
3. Fill in the application form (online/offline).
4. Submit necessary documents.
5. Wait for verification and approval.
Benefits of Student Credit Cards
- No income proof needed.
- Easy access to credit.
- Safe online payments.
- Discounts on travel, shopping, dining.
- Helps in financial independence.
- Build a good credit score from student life.
Things to Keep in Mind
- Do not overspend beyond your limit.
- Always pay bills on time.
- Use credit card wisely to avoid debt.
- Read terms and conditions carefully.
- Avoid withdrawing cash from ATM (high charges).
Best student credit cards India 2025
- No income proof credit card India
- Student credit card without salary slip
- Credit card for students with no income
- SBI student credit card 2025
- Axis Bank Insta Easy student card
- ICICI student credit card apply online
Frequently Asked Questions (FAQ)
Q1. Can I get a credit card as a student without income proof?
Yes, many banks in India provide credit cards against FD or education loans, so income proof is not required.
Q2. Which is the best student credit card in India 2025?
The SBI Student Plus Advantage Credit Card and Axis Bank Insta Easy Credit Card are among the best options.
Q3. What is the minimum age to get a student credit card in India?
You must be at least 18 years old.
Q4. Can I use a student credit card abroad?
Yes, cards like HDFC ISIC ForexPlus Card and SBI Student Plus Advantage are accepted internationally.
Q5. Is there any joining fee for student credit cards?
Most student credit cards come with zero or minimal joining fees.
Conclusion
Getting a student credit card in India 2025 without income proof is easier than ever. These cards not only provide financial freedom but also help students build a strong credit history for the future. Options like SBI Student Plus Advantage, Axis Insta Easy, ICICI Student Card, and HDFC ISIC ForexPlus Card are perfect for young students starting their financial journey. Always remember to use your card responsibly and pay your bills on time to enjoy maximum benefits.