Top Student Credit Cards for Online Shopping & Subscriptions in India

As online shopping and digital subscriptions become integral to student life, selecting the right credit card can offer both convenience and financial benefits. In India, several student-friendly credit cards cater to these needs, offering rewards, discounts, and easy application processes.

1. SBI Simply Click Credit Card

Tailored for students who frequently shop online, this card offers:

• Accelerated rewards on platforms like Amazon, Flipkart, and BookMyShow.

• Bonus reward points on select e-commerce transactions.

• No annual fee if the total spend exceeds ₹1 lakh annually.

• Access to exclusive deals and discounts on partner platforms.

2. ICICI Bank Student Platinum Credit Card

Ideal for students aiming to build credit history, this card provides:

• No joining or annual fees.

• Interest-free credit period on purchases.

• Reward points on every transaction.

• Global acceptance, facilitating international online purchases.

3. IDFC FIRST WOW! Student Credit Card

Designed for students without a regular income, this secured card offers:

• No joining or annual fees.

• 4X reward points on select categories.

• Zero forex markup on international transactions.

• Easy application process with minimal documentation

4. Kotak 811 Dream Different Credit Card

Aimed at young adults and students, this card features:

• No joining or annual fees.

• Credit limit up to 90% of the fixed deposit amount.

• Interest-free cash withdrawals.

• Online shopping benefits with reward points on transactions.

5. HDFC Bank ForexPlus Student Card

Although a prepaid forex card, it's beneficial for international online subscriptions:

• No in-wallet cross-currency fees.

• Multiple currency wallets for global transactions.

• Accepted on international e-commerce platforms like Amazon and Netflix.

• Reloadable via HDFC Bank's mobile app

Tips for Students Applying for Credit Cards

• Eligibility: Most student credit cards require applicants to be above 18 years of age. Some may require a fixed deposit as collateral.

• Documentation: Commonly required documents include Aadhaar card, PAN card, and proof of student status.

• Credit Limit: Secured cards often offer credit limits based on the fixed deposit amount.

• Usage: Responsible usage, such as timely payments, can help build a positive credit history.

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