Start building your credit score while enjoying cashback, rewards, and perks—perfect for students!
If you're a college student in India looking to enter the world of credit smartly, 2025 is a great year to start. Student-friendly credit cards now offer zero annual fees, digital onboarding, and exclusive perks like OTT subscriptions, lounge access, and cashback. In this blog, we break down the best credit cards for students in India 2025, all tailored to first-time users with low or no income.
| Card | Annual Fee | Lounge Access | Key Benefits |
|---|---|---|---|
| Federal Scapia | ₹0 | Milestone-based | 10% rewards, zero forex |
| AU LIT | ₹0 | Quarterly feature pack | Custom rewards, OTT access |
| IDFC WOW | ₹0 | No | FD-based, 4X rewards |
Click on the Apply Now links above. These cards offer 100% digital approval using Aadhaar & PAN. Approval takes less than 5 minutes and cards are delivered within 5–7 days. No salary slips or long forms needed.
Yes. Cards like AU LIT and Scapia offer instant approval without asking for salary or income proof.
Federal Scapia is a top choice with 10% rewards, lounge access, and zero annual charges.
Yes. It helps build credit and teaches money discipline. Use responsibly and pay dues on time.
Yes. IDFC WOW and AU LIT approve users with just basic KYC or FD security.
Still confused? Use our Free Card Matcher Tool to find your ideal student credit card instantly.
Helpful? Share this guide with your college group or explore more credit tips on CreditPlanner.in!
