I am currently a college student and am planning to apply for a student credit card to help manage my expenses and start building my credit history. However, I am curious to know what happens to a student credit card once I complete my graduation. Will the card continue to remain active after I finish my studies, or will I need to convert it to a regular credit card?
You have several options after graduation -
1.) You can upgrade your student credit to a regular card after graduating.
2.)You can keep your student credit card open after graduation as many credit card companies let you keep your student card open for as long as you want.
3.) You can close your student credit card also, but it will impact your credit card.
In case of an upgrade, the bank may automatically upgrade your card, or you may need to request the upgrade directly with the bank.
One of my brothers had student credit card when he was in college, after he graduated and got a job he upgraded his student credit card to regular one and got higher credit limit, better rewards programs, and additional perks.
you can definetely convert it to a regular card. you get bonus points if you get a solid job. your credit limit increases and usually you get better perks based on your expenses. i’ve seen a lot of people do this.
most to of the students are not that great with offers, as they are for students.
I would suggest if you should apply for a new card which gives you a great reward rate compared to your student Credit Card
Honestly it’s pretty straightforward. Once you graduate and start earning, just call up your bank and ask if they’ll convert your student credit card into a regular one. If you’ve got a decent credit score and you’ve been paying on time, most banks are cool with it. They’ll usually want to see proof of income like payslips or your offer letter.
If they give you a hard time, don’t stress. Just apply for a fresh regular credit card somewhere else. In fact, you might get better rewards and a higher credit limit that way. Biggest thing is to keep your student card in good standing before you make the switch, otherwise you’re just dragging bad history along with you.
Banks don’t usually upgrade student credit cards automatically — you’ll need to call or apply for the upgrade yourself. If you’ve built a good repayment record, they may offer you a higher limit once you show proof of income like payslips or your offer letter. In case your bank isn’t flexible, you can always apply for a new card elsewhere, which might even get you better rewards and a higher limit. The key is to keep your student card in good standing so your credit history helps you instead of holding you back.
When I was in college, I also took a student credit card to manage small expenses and start building my credit history. After graduation, the card didn’t just stop working — it stayed active. Later, the bank reached out and suggested upgrading it to a regular credit card with a higher limit and more benefits.
That’s usually how it works: your student card will still remain active after college, and then you can either keep using it or convert it to a regular one when you’re ready. Honestly, upgrading makes sense once you start earning, because the perks are much better.