Yes, if you are a student and an Indian resident, you can obtain a student credit card and use it for both online and offline shopping purposes.
The best part is that most credit card providers do not require an income stream or any credit score to obtain one.
I am highlighting basic requirements to get a student credit card, to help you understand what to prepare for before applying:
- Credit card providers require applicants to be at least 18 years old when applying for this card.
- Also, you must be a college student to apply for this card.
- Card providers might ask you for your Aadhaar Card, PAN card, and a copy of your ID card for verification.
As you asked, can a student apply for a credit card, I am sharing the steps to get one:
- If you have any Fixed Deposit (preferably of at least ₹50,000), you can apply for a secured credit card.
- You can get your student credit card as an add-on to your parents or other family members’ credit cards.
- Few banks in India provide credit cards if you have taken an education loan. However, you must contact your bank to know more in this case.
- If you are a student in West Bengal, Bihar or Jharkhand, then you are in luck. These states have dedicated schemes for student credit cards.