Vyaya
Curated Picks|Updated March 2026

Best Credit Cards for Students (March 2026)

Students need cards with zero annual fees, easy eligibility, and practical everyday rewards. A student card should help build credit history without creating financial pressure.

How to Choose

  • Pick a card with zero or very low annual fee
  • Check if the bank offers a student-specific variant or FD-backed card
  • Look for cashback on categories you spend on — food delivery, online shopping, transport
  • Avoid cards that require high income proof or credit history

Top 15 Cards for Credit Cards for Students

#1

Amazon Pay ICICI Bank Credit Card

ICICI · No annual fee · 100% rewards

#2

Fibe Axis Bank Credit Card

AXIS · No annual fee · 100% rewards

#3

Kotak Mahindra Bank Fortune Gold

KOTAK · No annual fee · 100% rewards

#4

Kotak Infinite Credit Card

8.5

KOTAK · No annual fee · 70% rewards

#5

Axis Bank LIC Platinum Credit Card

AXIS · No annual fee · 66% rewards

#6

ICICI Bank Parakram Select Credit Card

ICICI · No annual fee · 25% rewards

#7

ICICI Bank Parakram Credit Card

ICICI · No annual fee · 25% rewards

#8

ICICI Bank Instant Platinum Credit Card

ICICI · No annual fee · 25% rewards

#9

ICICI Bank Platinum Chip Credit Card

ICICI · No annual fee · 25% rewards

#10

Axis Bank Burgundy Private - The One Card

9.5

AXIS · No annual fee · 20% rewards

#11

Axis Bank Kwik Credit Card

AXIS · No annual fee · 20% rewards

#12

Axis Bank Infinite Credit Card

AXIS · No annual fee · 20% rewards

#13

Kotak Mahindra Bank 811 #DreamDifferent Credit Card

KOTAK · No annual fee · 20% rewards

#14

American Express Business Travel Account

AMEX · No annual fee

#15

HDFC Bank UPI RuPay Credit Card

HDFC · ₹99 annual fee · 25% rewards

Frequently Asked Questions

Can students get a credit card in India?
Yes, many banks offer credit cards to students, either as add-on cards, FD-backed secured cards, or student-specific products. Banks like ICICI, SBI, and Axis have options for students with minimal documentation.
What is the best first credit card for students?
A lifetime free card or a secured card against FD is the safest starting point. Look for cards with no annual fee and decent cashback on online purchases and food delivery.
Do students need income proof for a credit card?
Not always. FD-backed cards typically do not need income proof. Some banks offer student cards based on parent income or college enrolment.

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