Top 5 Credit Cards for Students with No Income: Students ke liye आज के समय में Credit Card सिर्फ Online Shopping और Payment का Medium नहीं है, बल्कि यह Students के लिए Financial Freedom और Credit History Build करने का सबसे आसान तरीका है।
लेकिन अक्सर Students की सबसे बड़ी समस्या यह होती है कि उनके पास Regular Income Proof नहीं होता। Banks और Financial Institutions आमतौर पर Salary Slip, ITR या Income Documents मांगते हैं। ऐसे में Students के लिए Credit Card लेना मुश्किल हो जाता है।
लेकिन Good News यह है कि कई Banks Students के लिए Specially Designed Student Credit Cards या Secured Credit Cards Offer करते हैं। इन Cards के लिए Income Proof जरूरी नहीं होता।
Students केवल FD (Fixed Deposit), Education Loan Papers या College ID Proof के आधार पर भी Credit Card ले सकते हैं।
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Top 5 Credit Cards for Students with No Income: Detailed INFO
Top 5 Student Credit Cards in India (2025 List)
| Credit Card | Credit Limit | Joining/Annual Fee | Key Features |
|---|---|---|---|
| SBI Student Plus Advantage Card | ₹5,000 – ₹30,000 | NIL (with FD) | Education Loan Linked, Rewards on Shopping, Fuel Waiver |
| HDFC ForexPlus ISIC Student Card | ₹10,000 – ₹1,00,000 | ₹500 – ₹1,000 | International Use, ISIC Benefits, Travel Insurance |
| ICICI Student Travel Card | ₹10,000 – ₹2,00,000 | ₹500 – ₹1,000 | Best for Abroad Studies, Insurance Cover, Forex Facility |
| Axis Bank Insta Easy Credit Card | ₹15,000 – ₹50,000 | NIL (FD-based) | Secured Card, Easy Approval, 80% FD Limit |
| Kotak 811 #DreamDifferent Credit Card | ₹10,000 – ₹25,000 | NIL | Lifetime Free, Digital Application, Cashback & Rewards |
Detailed Card-wise Information
1. SBI Student Plus Advantage Credit Card
- यह Card खासकर उन Students के लिए है जिन्होंने SBI से Education Loan लिया है।
- FD या Education Loan Account के Against Issue किया जाता है।
- Joining Fee नहीं है और Annual Fee भी बहुत कम है।
- Key Benefits:
- Fuel Surcharge Waiver।
- Online Shopping पर Reward Points।
- EMI Conversion Option।
- Best For: Students जिनका Education Loan SBI Bank से है।
2. HDFC ForexPlus ISIC Student Card
- यह Prepaid Forex Card है और खासतौर पर Foreign Studies के लिए Useful है।
- ISIC (International Student Identity Card) के Benefits Linked हैं।
- Key Benefits:
- Global Acceptance।
- University Fee Payment।
- Travel Insurance Cover।
- Lost Card Protection।
- Best For: Students going abroad for Higher Education।
3. ICICI Bank Student Travel Card
- International Students के लिए One of the Best Credit Card Options।
- Key Benefits:
- University Fees Directly Pay करने की सुविधा।
- Insurance Cover और Forex Facility।
- Lost Card Protection।
- Online International Shopping और Travel Booking पर Offers।
- Best For: Indian Students studying in Abroad Universities।
4. Axis Bank Insta Easy Credit Card
- FD (Fixed Deposit) के Against Issue होने वाला Secured Credit Card।
- Key Benefits:
- FD Amount का 80% तक Credit Limit।
- No Income Proof Required।
- Same Day Approval।
- Online/Offline Shopping और Cash Withdrawal Options।
- Best For: Students जिनके पास Axis Bank FD है और Instant Credit Card चाहिए।
5. Kotak 811 #DreamDifferent Credit Card
- Lifetime Free Credit Card – Zero Annual Fee।
- Digital Application Process (पूरी तरह Paperless)।
- Key Benefits:
- Cashback और Rewards on Shopping & Food।
- UPI & Wallet Linking Option।
- Students के लिए First Credit Card के तौर पर Ideal।
- Best For: College Students looking for a Zero Fee Beginner Card।
Eligibility Criteria for Student Credit Cards
| Criteria | Requirement |
|---|---|
| Age | Minimum 18 Years |
| Residency | Indian Resident होना चाहिए |
| Income Proof | Not Required (FD / Education Loan Proof sufficient) |
| Bank A/c | SBI, HDFC, ICICI, Axis, Kotak में Account होना चाहिए |
| College ID | कुछ Student Credit Cards के लिए जरूरी |
Documents Required
- Aadhaar Card (Identity Proof)
- PAN Card (Financial Verification)
- Passport Size Photo
- College ID Card (Student Proof)
- Bank FD Receipt या Education Loan Papers
- Address Proof (Passport / Driving License / Utility Bill)
Benefits of Student Credit Cards
- No Income Proof Required – Students FD या Education Loan के Against आसानी से Card ले सकते हैं।
- Credit History Build करना – Regular Payments से Future Loans (Home Loan, Car Loan) लेना आसान हो जाता है।
- Cashless Transactions – Online Payments, College Fee Payment, UPI Linking, ATM Withdrawal।
- Discounts & Rewards – Shopping, Food, Travel और OTT Subscriptions पर Offers।
- Emergency Fund – पैसे की कमी होने पर Instant Financial Help।
Risks of Student Credit Cards
Students को Card Use करने से पहले इन बातों पर ध्यान देना चाहिए:
- Overspending का खतरा – Limit Cross करने पर Heavy Penalty लगती है।
- Late Payment Charges – Due Date Miss करने पर Interest Upto 36% तक।
- Credit Score Impact – Default करने से CIBIL Score खराब हो सकता है।
- Hidden Charges – कुछ Cards में Forex Markup और Annual Charges Hidden होते हैं।
Important Links
| Links | Direct Access |
|---|---|
| SBI Student Plus Advantage Card | Apply Here |
| HDFC ForexPlus ISIC Student Card | Apply Here |
| ICICI Student Travel Card | Apply Here |
| Axis Bank Insta Easy Card | Apply Here |
| Kotak 811 DreamDifferent Card | Apply Here |
| WhatsApp Channel (Updates) | Join Now |
| Telegram Group (Student Updates) | Join Now |
| Home Page (OSSP) | Click Here |
FAQs
Q1. क्या Students बिना Income Proof के Credit Card ले सकते हैं?
Ans: हाँ ✅, FD, Education Loan या College ID के आधार पर।
Q2. Best Student Credit Card कौन सा है?
Ans: SBI Student Plus Advantage और HDFC ForexPlus ISIC Students के लिए Best Options हैं।
Q3. Minimum Credit Limit कितनी होती है?
Ans: ₹5,000 से शुरू होकर ₹1,00,000 तक।
Q4. क्या Student Credit Card से Online Shopping कर सकते हैं?
Ans: हाँ ✅, ये Cards सभी Online Payments और UPI Linking में Accept होते हैं।
Q5. क्या Student Credit Card से Credit Score Improve होता है?
Ans: हाँ ✅, अगर Time पर Payment किया जाए तो CIBIL Score Improve होता है।