Top 5 BEST CREDIT CARDS for STUDENTS || No Income Required
Hey Guys,
Welcome to Another New Post Top 5 BEST CREDIT CARDS for STUDENTS || No Income Required .
Highlights :-
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What is Credit Card ?
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What is Credit Score ?
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What is Reward Point ?
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Credit card for students
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Top 5 BEST CREDIT CARDS for Students
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Best Credit Cards for Students with NO Income
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Credit Card in India with NO Annual Fee
Guys In this Technical World It is so Useful to have a Credit Card in Your Wallet.In the Cashless age You must have a credit card it can easy your life. If You Don’t know that What a Credit Card is then I tell you that A Credit card is a Plastic card which have 16 digits of Numbers , Expiration dates , Magnetic strips and EMV chips applied on it. Credit card is a very easy tool which is so useful for you in your short-term Financing needs.
A credit card also be useful for you when you don’t have balance in your bank account. Let’s assume if you don’t have balance in your account and you need to purchase something then credit card can help you that time . With the credit card you can borrow money from your bank with a fix limit for a limited time which can you pay back later in installments.
If you don’t pay back amount in limited time period then you have to charge only a low rate interest on The Amount.By the way you should pay your credit cards bill on time if you don’t then your Credit Scores goes down .Credit score is a score which tracks your payment history and impact on your account status. Paying credit card bills on time increases your credit score and if you have a good credit score then you are eligible to borrow a big amount of loan on your credit card.
With Credit card you can do online shopping with The Great and Excited Offers , Cashback and Reward points(Reward points are offered us when we spent money by our credit card.Reward points are also known as RP. it has a certain value in rupees).
Credit Card for Students :
A credit card is essential for school/college student who is out of his village/town/city for study.He has less time and most of the times he need to order food and many things online and also have to travel a lot for giving exams and more .Many times he has to face financial problems and borrow money form friends and others because he has to manage many things . I know i have also been a student that’s why I know 🙂 . So a credit card can help the student in such things. Every time he shops , he gets something back in his account and also have to pay less money because offers are there.He can withdraw money with the credit card so he doesn’t have to face financial problems. Now let’s know how to get a credit card being a student…
How to Get a Credit Card as a Student :
We can get Credit card by Two ways . First we need to have a Income source and the Second is that we need to maintain a Fix Deposit in our Bank account.
Being a student It is obvious not to earn. Some students can manage part time Job and Study also but not all does it and also they has to study and I know time is also less. Managing Job and Study in your study time , is so difficult I know .
So a student can Credit Fix Deposit in the account and can easily get a Credit card. Now we will know that what are the top 5 best credit cards for students…
Top 5 BEST CREDIT CARDS for STUDENTS :
I have mentioned 5 Credit cards that are Best according to me for Students .
Disclaimer : It is not any paid promotion of any credit card . Any credit card company didn’t give me Money for this . It’s all my Personal True Opinion for you.
So let’s see The Top 5 Best Credit cards for The Students…
1. Kotak 811 #Dream Different Credit Card :
This Kotak 811 #Dream Different Credit Card is eligible for you if you are between the age of 18 years to 75 years. So student can apply for this card and this credit card doesn’t require any income source also it requires No joining and Annual fees. So that way also it is usable for students. This credit card offers so many facilities for us. Every time we spend 100 Rs. online we get 2RP for this and if we shop offline with the card then we get 1RP for this. RP means Reward points here and for this credit card 1 RP is equal to 0.25 Indian Rupees . With the card if we spend 5000 Rs. in first 45 days then we get a 500Rs. Bonus Reward .In the credit card we can fix the limit of the credit card so this is a cool feature of this credit card. We can also withdrawal 90% of amount with the fix limit without any interest for the 48 days time period . On this card we are charged 300 Rs. when we do withdrawal of 10,000 Rupees.
| CHARGES AND REQUIREMENTS | |
|---|---|
| Age Limit | 18 Years and Above |
| Joining Fees | NIL |
| Annual Fees | NIL |
| Minimum Income | Not Required |
| Minimum FD | 15000 |
Features :
- 500 Rs. Bonus Reward on 5000 Rs. spent in The First 45 days.
- Interest free cash withdrawal upto 90% of limit.
- No interest will be charged up to 48 days on cash advance .
- 1% Fuel surcharge waiver between 500-3000(max 3500/year).
- We get Railway Booking Surcharge of 1.8%/2.5%.
- We can order Add on Card for free.
- 1 RP against every Rs. 100/- of other spends. (1RP = 0.25Rs.)
- We can Set our own Credit limit choice between 12,000 Rs. to 12,00,000 Rs.)
2. BOB Prime Credit Card :
This Assure Credit Card is offered by Bank of Baroda Bank .It is a Free Credit card. There is No Joining & Annual fees required. Only we have to Deposit a Fixed amount of 15000 or more and we can get this credit card. If you want to get this card then your age should be between 18 to 65 years. If you don’t have any Income proof, any Credit score , you are applying for the credit card first time then it can be your first credit card with exciting offers and In-built insurance cover.
| CHARGES AND REQUIREMENTS | |
|---|---|
| Age Limit | 18-65 Years |
| Joining Fees | NIL |
| Annual Fees | NIL |
| Minimum Income | Not Required |
| Minimum FD | 15000 |
Features :
- 1% cashback on all spends.
- 1% fuel surcharge waived for all Fuel transactions between 400 – 5,000 (Max. waiver of Rs. 250 per month)
- In-built insurance cover
- Avail up to 50 days of interest free credit from the date of any purchase
- Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids (above age 18)
- You will not have to pay any liability fee if you report the loss of your card to the bank immediately
- You can plan your spends as per your convenience by simply paying the minimum amount due
3. Axis Bank Insta Easy Credit Card :
This Insta Easy Credit Card is offered by Axis Bank .If you want exciting offers and cashback on Shopping , Dining , Travelling and also want 100% cash limit then this credit card is for you. You get so many offers if you use this credit card for online purchases. The age criteria is 18 to 70 years for this Insta easy credit card. We also Earn 3RP(1.20 Rs.) when we spend 100 Rs. . If you want to get this card then you don’t need any income proof Only you need to deposit a Fixed amount of 20000 Rs. and then this credit card is yours.
| CHARGES AND REQUIREMENTS | |
|---|---|
| Age Limit | 18-70 Years |
| Joining Fees | NIL |
| Annual Fees | NIL |
| Minimum Income | Not Required |
| Minimum FD | 20000 |
Features :
- Available 100% cash withdrawal facility.(50 days to payback otherwise there will be an interest of 2.5%/month on money)
- 15% Dining Discounts at selected hotels.
- 1% Fuel surcharge waiver between 400-4000(max 400/month).
- Enjoy an instant discount of 5% on purchases from Amazon.in.
- Get upto 10% cashback on Apple products.
- Get exclusive discounds on Zomato and Swiggy.
- Book your Travel on makemytrip and get 25% discount on EMI transaction.
- 6RP for every 200 spent(1RP = 0.40ps).
4. Student Plus Advantage Credit Card (SBI) :
The Student Plus Advantage Credit Card is offered by State Bank of India .If you are a student and if you have availed a student loan from state bank of india then you are eligible to get this credit card . Your age should be 18 or more for this card but if you are less than 18 then you can use add-on card on other family member’s card. This card is specially for students so offers provided are also special for students. There are so many offers on online purchasing . we get 1RP when we spend 100 Rs. and 1RP is equal to 0.25 Rs. .This credit card also provides us EMI options when we purchase things which are over 2500 Rs. then we can convert this amount in easy EMI’s.
| CHARGES AND REQUIREMENTS | |
|---|---|
| Age Limit | 18 Years and Above(add-on card for Under 18) |
| Joining Fees | NIL |
| Annual Fees | NIL |
| Renewal Fees | 499 |
| Minimum Income | Not Required |
| Loan | Educational Loan |
Features :
- International Credit Card.
- SBI Student Plus Advantage Card is an international credit card.
- Spend 35000 Rs. in a Year and get Annual fees Free.
- 10x RP(reward point) on department and grocesrry store.(1RP = 0.25Rs.)
- 2.5% Fuel surcharge waived for all Fuel transactions between 500 Rs. – 3,000 Rs.
- Railway Surcharge : (On Counters : Rs. 30 + 2.5% of transaction amount) & (On Railway online website : 1.8% of transaction amount + service charge, as applicable)
- You can enjoy up to 80% cash withdrawal limit.(20-50 days to payback otherwise an Interest will be charged of 2.5%/month on the amount)
- We can Earn 1 Reward Points for every Rs. 100 spent
- We can Convert purchase of more than 2,500 Rs. on card into easy EMIs of 6/12 months.
- Balance Transfer facility : We can transfer the balance of another bank credit card to this Student plus advantage credit card at lower interest rate.
5. Assure Credit Card (Band of Baroda) :
Assure credit card is also offered by Bank of Baroda Bank .It is an International credit card which requires 499 Rs. joining fees and 499 Rs. annual fees but we can get it free if we spend 6,000 Rs. within 60 days for joining fees and 35,000 Rs. in a year for reversal annual fees. This credit card also doesn’t require any income but it requires a 25,000 Rs. of Fixed Deposit . It also has a accidental death insurance so that family get some amount of money for home management. With this credit card we can get 3 add-on cards for our family members. Easy EMI options are also available on this credit card , we can easily convert purchasing over 2,500 Rs. as EMI’s of 6/12months.
| CHARGES AND REQUIREMENTS | |
|---|---|
| Age Limit | 18 Years and Above |
| Joining Fees | 499 |
| Annual Fees | 499 |
| Minimum Income | Not Required |
| Minimum FD | 25000 |
Features :
- Lifetime free credit card. ( Spend 6,000 Rs. within 60 days and 35,000 Rs. in a year for reversal/waiver of annual fees )
- Internationally Accepted.
- Cash withdrawal upto 100% limit (in case of emergency) Normally it is 80%. ( 50 days to payback otherwise there will be an interest of 1.6% on money)
- Earn 4 reward points (equal to 1Rs.) for every 100 spent.
- 1% fuel surcharge waived for all Fuel transactions between 400 – 5,000 Rs.(Max. waiver of Rs. 250 per month)
- In-built personal accidental death cover. (15 lakhs for Air accident and 5 lakhs for other accident)
- Get up to 3 lifetime free add-on cards for your spouse, parents, siblings or kids. (above age 18)
- You will not have to pay any liability fee if you report the loss of your card to the bank immediately.
- It has other exclusive offers also like Cashback and Discounts on Tickets, Shopping and Dining.
- We can Convert purchase of more than 2,500 Rs. on card into easy EMIs of 6/12 months.
Frequently Asked Questions :
Question 1. What is Credit card answer in One Sentence ?
Answer :
Credit card is a Plastic chip which allows us to do Online payment like Shopping, Bill payment etc. without having money in our Bank account.
Question 2. How to get credit card easily in india ?
Answer :
In India we can get Credit card by two Ways . First is to use our Income Proof . Second is to Credit a Fix Deposit(FD) in our Bank account.
Question 3. How to Increase Credit Card Limit ?
Answer :
- Increase your Credit Score
- Pay your Repays amount on Time
Question 4. How to increase credit score ?
Answer :
- Never pay your Repays Late
- Get your Credit Report Error-Free
Question 5. How Credit score is Calculated ?
Answer :
Generally it is calculated on the basis of our Credit management system . It analyses and tracks our credit history like when we borrows money and repays it , how many time we were late at repaying the amount etc.
So in this Post guys we know about Top 5 BEST CREDIT CARDS for STUDENTS which doesn’t require any income proof.
I hope you will find this article helpful.