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    Students Credit Card

    Whether you live away from your family or want to manage your expenses for education or more, with the student credit card, you can build your credit history and manage your expenses seamlessly. Apply for a Credit Card with Airtel Finance and introduce your children to new opportunities and financial responsibilities.

    Why Choose a Student Credit Card?

    Here are the following reasons why you should choose a student credit card:
    Early Credit History: A positive long-term credit historyintroduces individuals to appealing financial opportunities.
    Financial responsibility: Students learn the importance offinancial responsibility from an early age.
    Convenient: A student credit card is safe andconvenient to use.

    Features of Students Credit Card

    Big savings and cashback offers with a Credit Card

    Higher credit limit

    Credit limit up to ₹5 lacs

    Huge annual savings

    Save up to ₹16,000

    Joining Fees

    Pay low joining fees

    Low annual fee

    Just ₹500 as annual fee

    100% digital process

    Apply on the Thanks app

    Relaxed eligibility

    18-70 years old can apply

    Benefits of a Student Credit Card

    Experience a privileged lifestyle with a credit card

    25% cashback offer

    Airtel bills & recharges

    10% cashback offer

    Zomato, Swiggy, BigBasket

    10% cashback offer

    Utility bills via Thanks App

    Extra 1% cashback

    On all other spends

    Airport lounge

    4x lounge access/year

    Fuel waiver

    1% fuel surcharge waiver

    Apply for a Students Credit Card

    Applying for a credit card is easy. Follow the steps below:

    Get Airtel App

    Download the app and go to Shop section

    Tap Airtel Finance

    Click on the credit card banner

    Select Apply Now

    Now fill up the complete application form

    Complete digital KYC

    The card will be delivered to you very soon

    Students Credit Card Eligibility

    Fulfill these eligibility criteria to get the Credit Card!

    Resident status

    Individual should be a Resident of India

    Age Limit

    Age of the primary cardholder should range between 18 and 70 years.

    Documents Required

    PAN card or Form 60, Residential, Identity, and Income proof, Colour Photograph

    FAQs on Credit Card

    What is a student credit card, and how does it differ from regular credit cards?

    A credit card for students potentially has a lower credit barrier compared to typical credit cards. Additionally, a student is typically secured for young adults to build credit responsibility.

    What are the eligibility criteria for obtaining a student credit card?

    The eligibility criteria for obtaining a student credit card are that the applicant should be a student, and the minimum age should be 18 years. As they don’t have a credit history, the rule of credit score doesn’t apply to them.

    Do I need to have a certain age or enrollment status to qualify for a student credit card?

    Yes, the certain age limit to quality for a student credit is that the applicant or student should be at least 18 years of age.

    Can international students apply for student credit cards in my country?

    Yes, students studying abroad can apply for credit cards issued by another country. However, it is important to note that foreign transactions are subject to international fees.

    Are there any income requirements for student credit card applicants?

    To acquire a standard credit card, some banks might ask applicants to submit their stable source of income. However, students can acquire a credit card without a job history or source of income.

    What documents are required to apply for a student credit card?

    The documents needed to apply for a student credit card include proof of identity, guarantor details, educational qualifications, and other related documents.

    Can I apply for a student credit card if I have no credit history?

    Yes, students or applicants can apply for a credit card even if they don’t have any credit history.

    Do student credit cards have an annual fee?

    Generally, a student’s credit card comes with no joining or annual fees. However, it is recommended to read all the terms and conditions carefully before applying for a student’s credit card. If you go for the Airtel Axis Bank Credit Card, you will need to pay a joining fee of Rs. 500, but it will be waived once you redeem the Amazon voucher.

    What are the credit limits typically offered on student credit cards?

    Compared to standard credit cards, banks offer a much lower credit limit for students. The Airtel Axis Bank Credit Card offers a credit limit of up to 5 lakhs.

    Are there any rewards or cashback programs available with student credit cards?

    The rewards or cashback programs available with student credit cards may differ from lender to lender. It is suggested that you get in touch with the provider or read all the terms and conditions carefully before applying for a student credit card.

    Can I use a student credit card for online purchases and international transactions?

    You can use the student credit card like a normal card for online purchases or international transactions by filling in the necessary details on the website.

    How do I build and manage my credit score responsibly with a student credit card?

    By paying all the debts on time and not going overboard with your credit limit or purchases, you can easily manage a good credit score with your student credit card.

    Can I add an authorized user or supplementary cardholder to my student credit card account?

    Depending on the criteria or guidelines of the lender, you may or may not be able to add another cardholder to your student card account.

    Are there any penalties or fees for late payments or exceeding the credit limit on a student credit card?

    Yes, failure or late payment of your credit card bills can be subject to penalties. Avoid delays in payments and going overboard with your credit limit to build a good credit score.

    Can I upgrade my student credit card to a regular credit card after graduation?

    After graduating, the applicants have the complete freedom to decide if they want to upgrade their student credit card to a regular one or not.

    Are there any restrictions on the types of purchases or transactions I can make with a student credit card?

    Typically, a student credit card allows applicants to purchase or make transactions that fall under the credit limit. So, you may not be able to use your card if it goes beyond your credit limit.

    How do I track my spending and manage my student credit card account?

    With the Airtel Thanks App, you can now keep track of all your expenses and manage your student credit card account. Download the application to avail yourself of the benefits of a student credit card.

    What happens if my student's credit card is lost or stolen?

    In such a situation, it is important to inform your bank or lender about your card being lost or stolen. The bank will soon cancel the card and send you a new card with the new account number.

    Are there any benefits or perks associated with student credit cards, such as travel insurance or purchase protection?

    To determine the amazing benefits and perks associated with the Airtel Axis Bank Credit Card, it is suggested to read all the terms and conditions carefully. Visit the Airtel Finance page to learn more about the Airtel Axis Bank Credit Card.

    How do I cancel my student credit card if I no longer need it, and are there any charges associated with cancellation?

    You can cancel your student credit card services by contacting customer care or raising a cancellation request with the bank. Ensure to fill in all the necessary details while completing the application to avoid any kind of inconvenience.

    Get a student credit card

    Go cashless with Airtel Axis Bank Credit Card and keep your expenses in check!

    As a student, managing your expenses can be a challenging task. Especially, if you are a student who resides far away from your hometown to complete your higher education and build a better lifestyle. This is where the Airtel Axis Bank Credit Card comes into the picture!

    he Airtel Axis Bank Credit Card offers students the opportunity to seamlessly manage their expenses and enjoy the perks of the rewarding financial journey! Invest in the Airtel Axis Bank Credit Card today to avail yourself of the best offers!

    List of the Unique Features of Students’ Credit Cards


    Investing in an Airtel Axis Bank Credit Card is the best investment you can make in your student life! Here are the unique features associated with the Airtel Axis Bank Credit Card:

    • Low joining fees on redeeming the Amazon voucher

    • Low annual charges

    • Rewards tailored to unique student lifestyles

    • Low-interest rates


    What are the special benefits of a student credit card?


    If you’re a student planning to get the Airtel Axis Bank Credit Card then you can enjoy benefits such as reward points on everyday purchases, cashback offers of up to ₹16,000 on utility bills, food delivery platforms, and more. Students also get an opportunity to enjoy exclusive discounts on Airtel Postpaid bills, partner restaurants, and so much more. These benefits are designed to make student’s life easier and help them manage their expenses more effectively. Download the Airtel Thanks App to learn more about the special benefits of the Airtel Axis Bank Credit Card.

    How to apply for a Student Credit Card?


    To apply for an Airtel Axis Bank Credit Card online, follow the below-mentioned steps:

    • Download the Airtel Thanks App

    • Click on the Shop Tab

    • Select Airtel Finance

    • Click on the credit card banner

    • Choose ‘Apply Now’

    • Fill in the necessary details and complete the form

    • Complete the digital KYC

    • Airtel Axis Bank Credit Card will be delivered to your home.


    How to calculate the EMI for student credit cards?


    To calculate the EMI for a student credit card, divide the total amount charged to the card that you wish to convert into EMI by the number of months over which you want to spread the payments. Interest rates may apply, altering the monthly amount slightly.

    What are the interest rates of student credit cards?


    With the Airtel Axis Bank Credit Card, students can enjoy low-interest rates as compared to other credit cards, recognising the limited financial capacity of students.

    Eligibility Criteria to get a credit card


    Eligibility for a student credit card typically includes being enrolled in a recognised educational institution, being of legal contract age (usually 18 in India), and having a stable bank account. For certain situations, some cardholders may require parental consent or a co-signer, if they are under a certain age.

    List of Documents required for a student credit card


    For students in India, seeking to obtain a student credit card, the following documents are typically required to complete the application process professionally and efficiently:

    Identity Proof: A valid government-issued photo ID, such as:

    • Aadhaar Card

    • PAN Card

    • Passport

    • Voter ID Card


    Age Proof: Documents to verify the date of birth, such as:

    • Birth certificate

    • Passport

    • SSLC Certificate


    Address Proof: Any official document that confirms your current residential address, like:

    • Aadhaar Card

    • Recent utility bills (electricity, water, or gas)

    • Passport

    • Voter ID Card

    • Rent agreement (if applicable)


    Student Status Proof: A current valid student ID card or admission proof from an affiliated educational institution.

    Bank Account Details: Information about a bank account in the student’s name, or linked to the parent/guardian if necessary.

    Recent Passport-Sized Photographs: Generally, one or two photographs are required for the application.

    Income Proof (if applicable): For cards that require an income statement, this could be from a part-time job or parental income, including:

    • Salary slips

    • Bank statements

    • Income tax returns


    These documents are vital for verifying the identity, age, address, and student status, ensuring that the credit card issued is appropriate for the applicant’s needs and circumstances. Always check with the specific credit card issuer, as requirements can vary slightly between banks and financial institutions.

    What are the fees included in the student credit card?


    While student credit cards often have no annual fees, other charges can include late payment fees, cash advance fees, and foreign transaction fees. Detailed fee structures are available in the cardholder agreement and should be reviewed before applying.

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