Best Credit Cards for Students in India (2026)
Last updated: May 2026
Reviewed by Mahendra Patel · Methodology · Affiliate disclosure
Students and first-time applicants face stricter eligibility. This guide covers secured cards, add-on cards, and first-job options — with fees explained. How we review.
Quick comparison
| Option | Best for | Typical requirement | Annual fee |
|---|---|---|---|
| Secured credit card | Building credit from zero | FD lien with bank | Low / LTF variants |
| Add-on card | Students with earning parent | Primary cardholder approval | As per primary card |
| Amazon Pay ICICI | First job + Amazon spends | Income proof, age 21+ | Lifetime free (typical) |
Sources
- Reserve Bank of India
- Issuer websites and MITC documents
FAQ
Can I get a credit card at 18 in India? Most unsecured cards require age 21+. Secured or add-on cards are practical earlier.
Does a student card build CIBIL? Yes, when reported and paid on time.
Risk warning: Not financial advice. Affiliate disclosure · Report an error.