I am a B.Sc. first year student, and I want to get a basic Credit card I am a student so I don’t have a good cibil score, and I don’t earn, so can you tell me how can I get a credit card.
I’ll also appreciate if you can suggest me some cards and guide me a little bit.
Thank you
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You can get a student credit card
Student cards usually require a minimum of documentation, a student credit card also has lower credit limits and comes with little or no annual fee.
They usually require an 18+ cardholder
Secured Credit Cards
If you don’t have a credit score or income, you can get a Secured Credit Card by opening an FD with a bank; the credit limit is usually a percentage of your FD (80-90%). I think this is a good way for students to start building their Credit history
Add-on cards
If your parents have primary cards, they can also request an add-on card for you. This card shares the card limit with the primary card, which helps you to learn Credit management without needing your on income.