Best Student Credit Cards Without Income Proof in India (2025)
FD-backed, zero annual fee, and beginner-friendly credit cards perfect for college students
Looking to get your first credit card as a student in India but don’t have a regular income or salary slip? Don’t worry—you’re not alone. In fact, there are several beginner-friendly, lifetime free credit cards and FD-backed options tailored just for students like you. In this post, we’ll guide you through the best student credit cards without income proof—including top picks like IDFC WOW and AU LIT—so you can build your credit score, enjoy perks, and start your financial journey with confidence.
Why Should Students Have a Credit Card?
- Build Your Credit Score Early: Start financial literacy by building credit responsibly.
- Emergency Access: Use it when you don’t have cash during travel, books, or exam seasons.
- Rewards & Discounts: Earn cashback or rewards on dining, OTT, groceries, etc.
- Safe & Secure: Better than borrowing or asking for help—also offers fraud protection.
Top Student Credit Cards Without Income Proof
1. IDFC FIRST WOW Credit Card
Why it's great: FD-backed card with zero annual fee, 4X rewards, no income proof, and excellent flexibility.
- Lifetime Free (₹0 annual fee)
- 4X rewards on all spends
- No forex markup
- Insurance cover & ATM cash withdrawal facility
- Minimum FD: ₹20,000 (no income needed)
2. AU LIT Credit Card
Why it's great: Customizable card perfect for OTT lovers, travelers, or reward seekers. No joining fee.
- Lifetime Free
- Free OTT (Amazon Prime, ZEE5) + Cult.Fit
- Complimentary Lounge Access
- Quarterly rewards selection system
- Minimum KYC based approval (ideal for students)
3. IDFC FIRST Power Credit Card
Why it's great: Budget-friendly option for students with light documentation and perks on fuel and utilities.
- Low annual fee (₹500)
- Welcome bonus worth ₹1,400
- Fuel & grocery cashback
- Zero forex markup
- Roadside assistance & insurance cover
Comparison Table
| Card Name | Annual Fee | Highlights | Best For |
|---|---|---|---|
| IDFC FIRST WOW | ₹0 | Secured (FD), 4X rewards, no income | New-to-credit students |
| AU LIT | ₹0 | OTT, lounge access, customizable | OTT & lifestyle users |
| IDFC FIRST Power | ₹500 | Fuel, grocery cashback + bonuses | Daily spenders |
Eligibility Criteria for Students
- Age: Minimum 18 years
- Indian Resident
- FD security or low-income proof if required
- Aadhaar, PAN card mandatory
How to Apply?
You can apply directly through the official links provided above. Most of these cards offer online video KYC, paperless onboarding, and approval in minutes for FD-based or low-doc applicants.
Frequently Asked Questions (FAQs)
Can a student get a credit card without a job?
Yes, students in India can apply for FD-backed or low-limit credit cards like the IDFC FIRST WOW card without needing a job or salaried income. A small fixed deposit is enough.
What is the best credit card for students in India with no income proof?
The IDFC FIRST WOW Credit Card is highly recommended—it’s lifetime free, FD-backed, and requires no income proof. AU LIT is another great option with lifestyle benefits.
Are student credit cards safe to use?
Yes, student cards come with all the security features of regular credit cards. Just ensure responsible usage and timely repayments to avoid interest and penalties.
Will using a credit card help me build my credit score as a student?
Absolutely! Using your credit card responsibly by paying bills on time and keeping usage low helps build a strong credit history over time.
What documents are required to apply for a student credit card?
Typically, you’ll need an Aadhaar card, PAN card, and either an FD receipt (for secured cards) or basic KYC for instant online approval.
Final Thoughts
Students in India now have powerful financial tools at their fingertips. Whether you’re in your first year of college or freelancing part-time, these cards will help build your credit, offer perks, and support your independence—without the hassle of income proof.
