Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card Reviews

    • SBI Cards Credit Card
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 2
      , chennai
      Reviewed on May 27, 2017
    • Dhanalakshmi Bank Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I am having he credit card with the Dhanlaxmi bank and they are the best one among am using. The credit limit is around 1 lakh Rupees and am using it from the last ten years of time , also the customer service is working in a good way.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Axis Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The offers at Axis Bank is good on the credit card and there are no charges taken for it annually. The online banking is clear as I am able to check the statements and all my transactions that I do. I also get the message instantly as soon as my card is used.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI offered life time free credit card for me. The credit limit is good. I regularly receive reward points but I do not know about cash back offers. I never converted reward points in to cash but I used the points for shopping purpose. ICICI bank is good in terms of credit card services.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "They should understand Customer's Needs"
      0.5 1.0/5 "Really Bad"
      I had been using this card more than three years, my credit limit is just Rs. 40,000 but in CITI , I am using for the period of one and half year. Initially they gave the credit limit of Rs.80k now increased to Rs.1.20 lakh and I am holding saving account with HDFC more than 5 years. I had done many loan payments through their account, I dont have any cheque bounce, they would have increase my limit.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • Citibank Credit Card
      "Very good to use"
      0.5 5.0/5 "Blown Away!"
      CITI is one of the best bank, they analyze the customer profile very well and they give respect to the customer. CITI understand the customer very good. I got many reward points and cash back upto 12,000, I am very happy to use CITI bank credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having HDFC bank credit card from the last four years of time. The offers are not really fine one with them like I am not able to make the big purchase into EMI conversion, also am not satisfied with the HDFC bank credit card till now.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • Axis Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      Customer service is good one with the Axis bank credit card and am having it from the last four years of time, also the response is good one with them. I have not received any offers with the Axis bank for this long tenure and the credit limit value is almost good.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • IDBI Credit Card
      "Nice features"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card is good and I am happy with the overall experience as my card is accept at all the outlets and even for my online shopping as well. There are decent offers and from IDBI and the billing cycle is convenient for me so I do not get to miss out on my payments.
      Was this review helpful? 0
      , raipur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Transparent in details"
      0.5 5.0/5 "Blown Away!"
      The offers are good at HDFC bank and there are no charges taken for card annually. The best I prefer is the statements which was sent on time and I did not have any discrepancy in the bills. The customer support is always helpful and I get the updates regularly on calls and through emails.
      Was this review helpful? 0
      , delhi
      Reviewed on May 27, 2017
    • Standard Chartered Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      There are no unnecessary charges or hidden charges with Standard Chartered Bank for the credit card. I use this card for long time and I did not face any issues with them till date. I receive reward points and cash back offers on my card but the drawback is there is no option to convert those points into cash. Customer service and responsiveness were equally good.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered a life time free credit card and they have given me a limit of around four lakhs which is more than satisfactory for me. The customer support is good and they are responsive is giving me details instantly without a delay. The offers are good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very well "
      0.5 5.0/5 "Blown Away!"
      I have a current account with HDFC based on this account they used to give many offers. In fact I got HDFC Religalia card, initially they gave 35,000 but now they increased the Rs. 3 lakhs credit limit. I am very happy about it. HDFC bill part is very clear.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card. The credit limit is good and it is sufficient as per my requirement. I am getting reward points. They provide offers on travelings, entertainments. Sometimes they give cash back offers. I never checked about the rate of interest and the annual charges. It is going smooth till date.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Convenient banking"
      0.5 5.0/5 "Blown Away!"
      When ever I contacted HDFC bank with regards to my credit card, they were very helpful to give me details. The offers are good and the cash back I get on it is helpful. The points can be redeemed on fuel and there are other benefits of EMI and loan features too.
      Was this review helpful? 0
      , panchkula
      Reviewed on May 27, 2017
    • HDFC Bank Credit Card
      "Very good in services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has been good in the services for the credit card as well. Everything falls in place from the offers to the credit limit and the updates they give me on the card. The customer services are good and professional as well in the communication.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • Citibank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The credit limit which was offered on my CITI bank credit card is for 2.5L. I use this card for emergency purpose. All there services are good and approachable. I am not sure about their customer service. Their net banking application is good and everything is good with CITI bank but I hardly use this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 27, 2017
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    Student Credit Cards in India is Rated as "Excellent!" by 34869 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Who wouldn’t love the freedom that a credit card brings? If you have a spur-of-the-moment purchase or an unexpected expense that comes up, no need to fret about how you’ll make the payment. As a student, a credit card comes in handy for all your expenses, from end of the month cash crunches to sudden expenses due to a project/presentation you have to make for your course.

    Being a student, your needs are different from a working professional, and banks have tailor made credit cards to cater to this requirement.

    The features of a student credit card differ from other credit cards offered in terms of a number of factors, which are listed below:

    Credit Limits: Student credit cards have a lower credit limit compared to other credit cards offered by banks. On average, a student credit card has a credit limit of Rs. 15, 000. This is done to ensure that the cardholders do not incur debts as a result of unrestricted spending.

    Card Validity: Student credit cards are generally valid for a period of 5 years from the issue date, as compared to regular credit cards which have a 3 year validity period.

    Duplicate card free of cost: If the student credit card holder misplaces their card or it is stolen, a duplicate card would be issued free of cost or at a very nominal charge.

    Waiver of fees: Student credit cards often do not have a joining fee and have very low annual charges, making it easier for students to maintain the cards.

    Documentation: Students credit cards do not require exhaustive documentation, unlike most other credit cards. The bare minimum of documentation is required when applying for a card.

    Special deals and rewards: The student cards come bundled with rewards and loyalty programs that offer cashback or cash points when a certain amount is spent using the card. The cards also have special offers and discounts on services as well as purchases worldwide.

    If the cardholder wishes to, the student credit card can be upgraded to a regular credit card anytime during the card’s validity.

    As seen above, a student credit card has a number of features that distinguish it from other cards offered. Some of the banks that offer student credit cards are mentioned below:

    SBI Student Advantage Plus Credit Card:

    With the SBI Student Advantage Plus Credit Card, students can learn how to manage their money prudently. The card comes with an array of features designed exclusively for the student demographic, such as the ability to convert all purchases to EMI’s, fuel surcharge up to 2.5 % on all fuel spends charged to the card etc.

    The card also has a good rewards program, with every Rs. 100 spent earning the cardholder 1 cash point, which can be redeemed for a range of gifts or used to pay off credit balance, if any.

    The card also comes with a low interest rate of just 2.25% per month.

    In addition, railway tickets booked using the card will be delivered to the cardholder’s doorstep, making travel plans and arranging tickets quick and convenient.

    HDFC Bank ForexPlus Card:

    The HDFC ForexPlus Card is a boon for students who study abroad and require easy access to funds in multiple currencies. This offering by HDFC is a prepaid card which works similar to a credit card, where the amount is debited directly from the card.

    For students living abroad, currency fluctuations are a constant problem. This card protects cardholders from this as money can be deposited in the card in all major foreign currencies. Withdrawals and transactions made through the card would also be protected from exchange rate fluctuations if the transactions are conducted in the currencies that the card is available in.

    ICICI Bank Student Travel Card:

    With the ICICI Bank’s travel card for students, paying fees or meeting expenses when studying abroad becomes an easy process. Payments can be made online using a secure channel and daily expenses can be paid for at all stores that accept MasterCard.

    The card can be topped up from an account in India periodically and also comes with travel insurance as well as membership to the International Student Identify Card, through which the cardholder can avail exclusive discounts and offers.

    Cardholders will also benefit from preferential foreign exchange rates.

    HDFC Multicurrency Platinum ForexPlus Chip Card:

    With this offering from HDFC, studying abroad can comfortably access their funds in 20 foreign currencies. Currencies can be managed through the card and money transferred through secure online wallets.

    Cardholders are also protected against fraud and accidents up to Rs. 5 lakh each.

    Cardholders can also track their accounts and make payments through netbanking, as well as avail special discounts and deals.

    Student credit cards are a good way for young adults to begin their foray into the world of money management. Cardholders can learn how to manage their finances and hone their financial skills. The low limit and easy access to payment history will enable them to keep track of their spending and also help them start saving.

    News About Banks Issuing Credit Cards to Students

    • Student Co-Borrowers Need Not Submit PAN Card For Credit Card Loans

      Students who are co-borrowers for credit card scheme loans no longer need to submit their PAN cards in the state of Bihar, according to the Finance Ministry.

      Loans up to Rs.4 lakh are exempt from the requirement regarding declaration of their PAN.

      This has been done in an effort to ease the loan securing procedure for students and provide some relief to parents who do not have PAN cards but wish to avail a loan.

      This move will come as a major relief to a large section of the populace who wish to be co-borrowers to their children?/ward? loans but were unable to because they lacked PAN cards.

      24th February 2017

    • Banks issue Credit Cards to Students

      Students from the top 100 education institutions in India will now receive credit cards without furnishing any proof of income. The State Bank of India (SBI) will be issuing credit cards to students free of charge, this move comes in light of the bank installing an additional 5 lakh swipe machines across the country. The bank will also be launching an app to facilitate offline card payments via a QR code. The cards will also be provided to individuals having a fixed deposit of Rs.25,000 or above without providing any proof of income. The student cards have been made available since the beginning of December.

      21st December 2016

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