Anand kothari
KF Rookie
I need a credit card to improve my cibil and with low charges can you suggest me any cards which you have personally used
Best credit card for students in 2024
- Thread starter Anand kothari
- Start date
TaxWiser
KF Mentor
Try your Luck by applying for:
Amazon Pay ICICI LTF CC
HDFC LTF CC
Axis Neo LTF CC
Jupiter Edge Rupay LTF CC
Kiwi Rupay LTF CC
If your Luck runs out then go with Super Money Secured LTF CC or Amazon Pay Later to improve your Credit Score.
knagar0078
KF Ace
My Dear,
Actually as you said that you are a Student.
There is an eligibility criteria when applying for Credit Card.
I strongly suggest you to file you ITR(Income tax Return) even if you don't have any income.
File your income as Nill
Now let me get back to the Credit Card
As you want to apply for Credit Card and don't have any income then you can't get any of the Branded Credit Cards (like Amazon Pay ICICI, HDFC, etc) as they require a minimum of 2.5 Lakh Income per year(2.5L Annually).
So it's best to apply for FD backed Credit Card
One of my used card is IDFC FIRST WOW CARD, When I applied for this one for my wife the minimum FD amount was 10 thousand but now they raised if to 20 thousand.
Kindly visit their Branch for more information and if you can afford to put 10 thousand or more for a FD.( FD interest rate is 6.65% per annum)
And I don't know much about this, It's Bank Of Baroda FD backed Credit Card
You can apply for it for a FD amount of 5000.
I forget to tell you the limit provided is nearby that of you FD amount and for good Credit Score never spend more than 30% of your limit. As there is a FD backed there Cards are Lifetime free
Now as I said BOB FD Credit Card is also there.
If you can wait so One Card is also a best option but they are not providing the Credit Card for some reason( if you get the option apply for only FD backed (₹5000) for One Card).
Because if you applied for any Card and your application got rejected then apply for any other card only after 6 months, else you have multiple enquiry in your Credit Score and all applications will reject again and again.
This happened to me earlier Now I have the choice to choose HDFC CREDIT CARD Lifetime free but can't apply for it before 6 months.
In my case I closed one of my Card and applied for a new one, then as I said all my application free or paid got rejected and I have 6 enquiry and No Credit Card even when having a SCORE OF 820.
WISH YOU LUCK
MAKE A WISE CHOICE
AND ALSO free card don't give you best Offers, if you have good Score and income Bank will provide you paid cards for free.
I'm not getting any money from these banks so you can choose others as well but only choose FD backed by the time you don't have any income source
THANK YOU
TAKE CARE
Actually as you said that you are a Student.
There is an eligibility criteria when applying for Credit Card.
I strongly suggest you to file you ITR(Income tax Return) even if you don't have any income.
File your income as Nill
Now let me get back to the Credit Card
As you want to apply for Credit Card and don't have any income then you can't get any of the Branded Credit Cards (like Amazon Pay ICICI, HDFC, etc) as they require a minimum of 2.5 Lakh Income per year(2.5L Annually).
So it's best to apply for FD backed Credit Card
One of my used card is IDFC FIRST WOW CARD, When I applied for this one for my wife the minimum FD amount was 10 thousand but now they raised if to 20 thousand.
Kindly visit their Branch for more information and if you can afford to put 10 thousand or more for a FD.( FD interest rate is 6.65% per annum)
And I don't know much about this, It's Bank Of Baroda FD backed Credit Card
You can apply for it for a FD amount of 5000.
I forget to tell you the limit provided is nearby that of you FD amount and for good Credit Score never spend more than 30% of your limit. As there is a FD backed there Cards are Lifetime free
Now as I said BOB FD Credit Card is also there.
If you can wait so One Card is also a best option but they are not providing the Credit Card for some reason( if you get the option apply for only FD backed (₹5000) for One Card).
Because if you applied for any Card and your application got rejected then apply for any other card only after 6 months, else you have multiple enquiry in your Credit Score and all applications will reject again and again.
This happened to me earlier Now I have the choice to choose HDFC CREDIT CARD Lifetime free but can't apply for it before 6 months.
In my case I closed one of my Card and applied for a new one, then as I said all my application free or paid got rejected and I have 6 enquiry and No Credit Card even when having a SCORE OF 820.
WISH YOU LUCK
MAKE A WISE CHOICE
AND ALSO free card don't give you best Offers, if you have good Score and income Bank will provide you paid cards for free.
I'm not getting any money from these banks so you can choose others as well but only choose FD backed by the time you don't have any income source
THANK YOU
TAKE CARE
Anand kothari
KF Rookie
How to apply for those cards ?Try your Luck by applying for:
Amazon Pay ICICI LTF CC
HDFC LTF CC
Axis Neo LTF CC
Jupiter Edge Rupay LTF CC
Kiwi Rupay LTF CC
If your Luck runs out then go with Super Money Secured LTF CC or Amazon Pay Later to improve your Credit Score.
Anand kothari
KF Rookie
krishna1718
KF Mentor
since you are student get supercard by flipkart life time free with 500-1000 fd use it for upi transactions and every day expenditure you will earn direct cashback for student its more than enough
