Best Credit Card Offer for Indian Students
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A credit card is a plastic payment card that can be used to make purchases, and also to earn rewards. Credit cards are very popular in India, and there are many offers available for students.
1: HDFC bank credit card
HDFC Bank Credit Card is a great option for students in India as it offers a number of benefits that can make your life easier. For starters, the card offers 0% interest on purchases and balance transfers for the first 6 months, which is great news if you’re looking to build up your credit score. Additionally, there are no annual fees associated with the card, so you can rest assured that you’re getting value for your money.
2: ICICI Bank credit card
ICICI Bank credit card is another great option for students in India. The card offers a number of benefits, including 0% interest on purchases and balance transfers for the first 6 months, which is great news if you’re looking to build up your credit score. Additionally, there are no annual fees associated with the card, so you can rest assured that you’re getting value for your money.
3: Axis bank credit card
Axis bank credit card is another great option for students in India as it offers a number of benefits, including 0% interest on purchases and balance transfers for the first 6 months, which is great news if you’re looking to build up your credit score. Additionally, there are no annual fees associated with the card, so you can rest assured that you’re getting value for your money.
4: State Bank of India credit card
State Bank of India credit card is a great option for students in India as it offers a number of benefits, including 0% interest on purchases and balance transfers for the first 6 months, which is great news if you’re looking to build up your credit score. Additionally, there are no annual fees associated with the card, so you can rest assured that you’re getting value for your money.
6: American Express credit card
American Express credit card is another great option for students in India as it offers a number of benefits, including 0% interest on purchases and balance transfers for the first 6 months, which is great news if you’re looking to build up your credit score. Additionally, there are no annual fees associated with the card, so you can rest assured that you’re getting value for your money.
10: Citibank credit card
Citibank is a global financial services company with operations in over 180 countries. Citibank offers a variety of credit cards, including the Citibank Credit Card. The Citibank Credit Card is a good option for students in India because it has low interest rates and provides access to valuable travel and shopping benefits. For example, the card offers 50% off at participating travel websites and 20% off at selected online stores.
11: HSBC bank credit card
HSBC Bank is one of the leading banks in India. They offer a variety of credit cards that are perfect for students. Their cards have low interest rates, and there are no annual fees. This makes them great options for students who want to manage their finances responsibly.
12: Mastercard credit card
Mastercard is one of the world’s largest credit card companies. They offer a variety of cards that are perfect for students. Their cards have low interest rates, and there are no annual fees.
13: Visa credit card
Visa is one of the world’s most popular credit card companies. They offer a variety of cards that are perfect for students. Their cards have low interest rates, and there are no annual fees.
14: The Flipkart Student Credit Card
Flipkart is one of the largest online retailers in India. They offer a student credit card that offers 0% interest on purchases and no annual fee. The card also offers a 25% discount on all items in the Flipkart store.
15: The SamsungStudent Credit Card
Samsungstudent Credit Card is one of the best credit cards for students in India. It offers a range of benefits, such as cashback rewards and no annual fee. Plus, it has low interest rates that make it a great option for budget-minded students.
Also Read:
10 Points to Remember Before Choosing Right Credit Card
However, not all credit cards are created equal. There are a few things you should look for when choosing a credit card for students in India.
1: The interest rate
The interest rate is one of the most important factors to consider when choosing a credit card. Credit cards with high interest rates can quickly add up, and can lead to debt problems if you don’t pay them off on time.
2: The rewards program
Many credit cards offer great rewards programs, which can be a great way to earn free flights, hotel stays, or other discounts. Make sure the card you choose offers good rewards rates and a variety of benefits.
3: The minimum spending requirement
Some credit cards require minimal spending before you qualify for bonuses or other benefits. This can be a great way to get started building your credit history and score.
4: Foreign transaction fees
Some cards charge foreign transaction fees, which can add up if you’re often travelling outside of the country. Make sure you understand the card’s foreign transaction fee policy before applying.
5: Annual fee
Some cards have annual fees, which can be expensive if you don’t use the card regularly. Consider whether or not the annual fee is worth it before applying.
6: APR rates
APR rates are an important factor to consider when choosing a credit card. Make sure the APR rate is low enough that you won’t end up paying more in interest than you would if you used a different credit card.
7: Credit score
Your credit score is an important factor when choosing a credit card. Make sure the card issuer uses a reputable credit score provider, and that the credit score information provided is accurate.
8: The card’s terms and conditions
Make sure the terms and conditions of the card are agreeable to your financial needs. For example, some cards have annual fees but offer low APR rates, while others have high APR rates but no annual fees.
9: The card’s customer service
Make sure the card has a good customer service department. If you have any problems with your card, be sure to contact the customer service department as soon as possible.
10: The credit limit and credit history
Be sure to check the credit limit and credit history of the card before applying. Make sure the credit limit is high enough that you won’t be forced to borrow from the card if you have a low credit score, and that the credit history is clean.
Things you can do to help keep your credit score high and avoid paying high interest rates
Compare Rates and Fees
When looking to get a student credit card, it is important to compare rates and fees. Many cards have low interest rates and no annual fees, but there are also cards with high interest rates and annual fees. It is important to find a card that fits your needs and budget.
Apply and Get Approved
Once you have researched the options, it is time to apply for a card. Many cards require a minimum income or credit score, so be sure to apply with the right information. There are a few things you need to do before applying for a card, though. The first is to make sure you have good credit. You can check your credit score and credit report free every month at AnnualCreditReport.com. Next, make sure you have enough available funds in your account to cover the minimum payment on the card each month. Finally, be sure to apply for the card that’s best for you based on your spending habits and needs.
Apply online or in person. You can apply online at most banks or through your bank’s app. You can also apply in person at most banks or through a participating merchant’s location.
Use Your Card Responsibly and Wisely
Once you have your card, it is important to use it responsibly. Make sure to pay your bills on time and avoid using your card for frivolous spending. If you do not use your card responsibly, you may find yourself facing high interest rates or fees.
Make on-time payments
A good habit to get into is making sure you always pay your bills on time. This will help build your credit score and make it more difficult for someone to take advantage of you if they do have access to your account.
Avoid using your card for frivolous spending
If you don’t need the money right away, try not to use your card. This will help keep your spending within reasonable limits and avoid incurring high interest rates.
Limit your credit card use
If you find yourself using your credit card more than you would like, it may be a good idea to start limiting your use. This will help keep your spending within reasonable limits and avoid incurring high interest rates or fees.
Conclusion
So, these are the top 15 best credit cards for students in India. If you are looking for a credit card that will help you build your credit history and score, one of these cards is sure to fit your needs. Also you ought to keep in mind all those points to use credit card masterly.

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