The fact cannot be denied that a credit card is a convenient way of making payments. Keeping a record of the purchases as well can be managed well with credit cards.
As a student, you may be having few expenses like important project or making a presentations. All these activities needs funding. As on today, all these spending’s were perhaps done using cash. But use of credit cards can also be made.
If you have a credit card, then it is much easier to meet all those expenses.
Since you are a student, you have different needs as compared to a professional and the best part is that the banks do offer special credit cards to cater such needs. So, if you are a college student, here are the best 7 credit card options for you.
#1. HDFC Multicurrency Platinum ForexPlus Chip Card
If you are studying abroad, this credit card gives you an easy access to your funds in 20 foreign currencies. With the help of this card, managing different currencies and transferring money via secure online wallets will be quite easy. You also have protection both against fraud and accidents up to Rs. 5 lakhs.
Tracking your accounts and making payments via net banking is also quite simple. Moreover, attractive discounts & deals are also offered.
You also get to learn about how to manage finances and how to improve your financial proficiency.
The card offers low limit and you also have easy access to your payment history. This enables you to keep a track of your spending thereby learning about saving money.
#2. SBI Student Plus Advantage Credit Card
As a college student, if you have SBI Student Plus Advantage Credit Card, you will be learning to manage your money in a sensible manner. The card offers a wide variety of features framed especially for the students including – calculating fuel surcharge up to 2.5% on your fuel spends and converting all your purchases to EMI etc.
There are some attractive reward programs offered by the card, with every Rs. 100 spent, you get to earn 1 cash point and you can redeem for a wide range of gifts or for paying off the card balance if any.
The best thing about the credit card is that it offers a low-interest rate of 2.25% per month. In addition, if you are booking railway tickets with the card, the tickets will be delivered to your doorstep, making arranging tickets and planning swift and convenient.
#3. ICICI Bank Student Travel Card
If you are studying abroad and have this card in your wallet, you can easily meet all your expenses. Make online payments through secured online channel and you can pay for daily expenses at all stores accepting MasterCard.
You can also top up your card from an account in India occasionally and the card also comes with travel insurance as membership to the International Student Identity Card, through which you can avail some of the best discounts and offers.
#4. HDFC Bank ForexPlus Card
If you are studying abroad and want to enjoy easy access to funds in multiple currencies, then this is an apt card for you. This is a prepaid card and functioning is similar to a credit card, where the amount gets debited straight from your card.
Fluctuations in the currency is a major problem for the students living abroad. This card offer protection from this as you have the provision of depositing money in the card in all key foreign currencies.
#5. Axis Bank ISIC Forex Card
You get to enjoy lucrative offers and discounts across over 100 countries on an extensive range of spending categories including accommodation, cultural sites, travel, museums, cafes, retail shopping, restaurants, and more.
The card will be having your name, name of the university, ISIC license number, and your date of birth along with your photograph. As far as security is concerned, the card comes with a 4-digit PIN, it will authorize ATM transactions.
#6. Andhra Bank Visa Classic Card
As a student, if you have Andhra Bank Visa Classic Card, you don’t have to pay any enrollment charges and moreover it is valid globally. As a cardholder, you don’t have to pay any subscription charges for the first year. If you are withdrawing money from Andhra Bank ATMs, you don’t need to bother about paying any withdrawal charges. In the event, you have lost your card, you will be provided insurance cover at no extra cost.
#7. PNB Global Classic Card
Being a multi-purpose credit card, it aptly fulfills all your needs and requirements as a student. If you are looking for that one credit card for shopping, purchasing fuel, reservations, dining, and holidaying, then apply for this credit card right away. You also get to earn reward points and these points can be further redeemed for attractive gifts.
● You can avail a discount of 10% off on MRP, using your PNB Global Classic Card, at varied outlets of Kairali Ayurvedic Group.
● Use your card to pay for you mobile/telephone bills, gas bill, utility bills, and electricity bills.
● You can also have your photo printed on your credit card. This will help in easy recognition at various merchant outlets and it also good from security point of view.
● As a PNB Global Classic Credit Card holder, you get to enjoy a fuel surcharge waiver for the fuel transactions worth Rs. 400 to Rs. 3,000.
Disclaimer: All blog posts of getmoneyrich.com are for information only. No blog posts should be considered as an investment advice or as a recommendation. The user must self-analyse all securities before investing in one.