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As a student, you have a world of opportunities ahead and countless dreams to pursue. We understand that managing your expenses should be the least of your worries. That's why the ICICI Bank Student Credit Card is here to lighten your load and empower you to take control of your financial journey. There’s no need for proof of income nor credit history: you can start scripting your financial journey as you please.
Student Credit Card Features & Benefits
Here are the remarkable benefits that await you:
- Easy qualification and approval without income proof: Students can get their ICICI Bank Student Credit Cards without extensive documentation and nor the need to produce any proof of income. This makes for quick and seamless application and approval.
- Building a solid credit score: Your early years are the perfect time to establish a strong credit history. By responsibly managing your ICICI Bank Student Credit Card, you'll pave the way for competitive credit terms and opportunities in the future. It's an investment in your financial well-being.
- Exciting perks and savings: Our Student Credit Card is designed to help you save money while enjoying various perks. From cashback offers to enticing discounts, you can maximise your purchasing power and make every rupee count. Additionally, earning reward points get you coupons and merchandise from our catalogue.
- Responsible spending limits: We understand the importance of financial discipline during your educational journey. The modest credit limit of up to Rs 15,000, ensures you stay mindful of your spending habits and avoid falling into a debt trap. It's a smart way to cultivate responsible financial behaviour.
- Versatility for student needs: Our Student Credit Card unlocks possibilities. Whether you need it to enrol in an online course, purchase books, refill fuel, or meet other essential needs, our card is there to support you every step of the way. It's a versatile companion for your life as a learner.
- Affordable and easy maintenance: We understand that student life comes with its fair share of financial challenges. That's why our Student Credit Card comes with nominal joining fees and low annual charges compared to other credit cards. We want to make it easy for you to manage and maintain your card effortlessly.
Don't let financial limitations hold you back from achieving your dreams. The ICICI Bank Student Credit Card is your ticket to financial empowerment. Apply today and embark on a journey of responsible spending, rewarding perks, and a brighter financial future. It's time to seize the opportunities that await you!
Eligibility & Documents Required for Student Credit Card
Here's the information we need for your card application:
| Eligibility Factors | Description |
|---|---|
Age |
Minimum age requirement is generally 18 years, but most we issue Credit Cards to applicants who are 21 years or older. |
Annual Salary |
We consider the applicant's annual income to assess their ability to repay. Typically, a minimum net annual income of Rs 2.5 Lakh is required for Credit Card eligibility. However, for the Student Credit Card we don’t have any such criteria. |
Nationality |
Student Credit Cards issuance is restricted to Indian nationals. |
Documents required for the card application:
| Proof of Identity | Proof of Address | Proof of Income |
|---|---|---|
PAN Card |
Aadhaar card |
N/A |
Aadhaar card |
Driver’s License |
N/A |
Driver’s License |
Passport |
N/A |
Passport |
Utility Bill not more than 3 months old |
|
Voter’s ID |
Ration Card |
|
Overseas Citizen of India Card |
Property Registration Document |
|
Person of Indian Origin Card |
Person of Indian Origin Card |
|
Letters issued by the UIDAI |
Bank Account Statement or any other government approved address proof |
|
Any other government approved |
|
|
Photo ID Proof |
|
How to Apply for a Student Credit Card
1. Contact customer care or visit the nearest ICICI bank branch.
2. Collect and fill out the physical application form.
3. Ensure you have all the required documents with you.
Note: Ensure you possess all the required documents before applying, whether online or offline. It is always recommended to refer to the official ICICI Bank website or contact customer care for the most accurate and up-to-date information regarding the credit card application process.
Fees & Card Limit of Student Credit Card
here's the fees and charges associated with student credit card:
| Joining Fee (1st year) | Annual Fee (1st year) | Annual Fee (2nd year onwards) | |
|---|---|---|---|
| Student Credit Card | N/A | N/A | N/A |
Please note that the joining fee, annual fee for the first year, and annual fee from the second year are NIL for ICICI student credit card. It is advisable to contact our customer support for accurate and up-to-date information regarding the fees and credit limit associated with this credit card.
Frequently Asked Questions
To qualify for a student credit card, you typically need to be a student above 18 years old. Banks may require proof of enrollment in an educational institution. We also offer credit cards against fixed deposits. Please note that the specific eligibility criteria may vary.
Student credit cards offer various benefits such as building a credit history, earning rewards, and enjoying discounts. They provide financial independence, convenience, and security for making purchases. Additionally, responsible usage can help develop good financial habits and prepare students for managing credit responsibly in the future.
To use a student credit card responsibly, set a budget and track your expenses. Make payments on time and avoid carrying a balance to minimise interest charges. Use the card for essential purchases and avoid overspending. Regularly review your statements and credit reports to monitor your credit activity and identify any discrepancies.
Yes, students can hold multiple student credit cards, but it's important to use them responsibly. Having multiple cards can offer flexibility and diversify rewards. However, it's crucial to manage the cards wisely, keeping track of spending, payments, and credit utilisation to avoid accumulating excessive debt or negatively impacting credit scores.
Yes, some we offer credit cards for students without a job. These cards may require alternative eligibility criteria, such as a fixed deposit or proof of enrollment in an educational institution.
To check your student credit card status, you can visit the bank's website and log in to your online account or use our mobile banking app. Alternatively, you can contact the bank's customer service helpline or visit a branch to inquire about the status of your student credit card application.
ICICI Bank offers credit limits on student credit cards based on various factors, including the applicant's fixed deposit amount or income, credit history, and the bank's policies. The credit limit can be up to 90% of the fixed deposit amount or may vary based on the individual's profile and the specific student credit card offered by ICICI Bank.
The annual interest rate for the Student Credit Card can vary depending on the bank and the specific terms and conditions. It is recommended to refer to ICICI Bank's official website or contact their customer support for accurate and up-to-date information regarding the annual interest rate associated with the Student Credit Card.
