I am thinking to apply for a student credit card, I want to know which credit card combo offers the best overall value. I’m particularly interested in maximizing perks such as cashback on online shopping, discounts on food delivery and travel, and rewards on everyday expenses like groceries or mobile recharges.
I personally use IDFC FIRST WOW! credit card, One of the key advantages of the FIRST WOW! is that it no joining or no annual fees. It has no foreign transaction fee as well(making it suitable for you, if you study there or visit frequently there). You can earn 4X reward points on every purchase which can be redeemed for discounts, cashback, or other rewards. You can this credit card against Fixed Deposits(FD) and can earn 7.5% p.a. interest on your FD’s. IDFC First Bank charges Rs.250 on cash withdrawal.
You can apply here for IDFC FIRST WOW! credit card-
Secure-Card-Standalone | IDFC FIRST Bank
As a student who’s just starting to manage finances and wants to get the most out of every purchase, I’m curious to know which combination of credit and debit cards would offer the maximum perks, including cashback, reward points, and discounts on online shopping, food delivery, and travel, while keeping annual fees and hidden charges minimal?
When I first started managing my expenses as a student, I realized that the right combination of cards can make a huge difference in rewards and savings.
For students in India, a smart strategy is to mix a rewards-focused credit card with a low-fee debit card that offers instant discounts or cashback.
For example:
• Credit Card: Cards like the SBI Card Unnati or HDFC Freedom Card are popular among students. They often provide accelerated reward points on online shopping, food delivery, and streaming subscriptions. Points can later be redeemed for gift vouchers, travel, or merchandise.
• Debit Card: Pairing it with a bank debit card such as the ICICI Bank Student Debit Card or Axis Bank Neo Card can give you instant discounts, cashback on essentials, and zero annual fees, which is ideal for managing day-to-day spending.
By using a combo like this, you can maximize both long-term rewards through the credit card and immediate savings through the debit card, all while keeping fees minimal. It’s also important to check for bank offers and student-specific promotions during festive sales, as these can further boost your perks.
For an official guide on student credit card options and benefits in India, you can visit: