Student Credit Card Without FD – Easy & Instant Approval

Financial independency is an essential element for each individual in this modern digital economy, even for students. It does not matter whether students are capable of earning money yet or not, but students need to have some funds for their expenses, and if students leave home and live alone, then availability of funds is required for their own expenses like shopping, books, tuition fees, exam fees, travel expenses, house supplies, and many more.

For all this kind of expense, students need funds to cover it, but rather than taking funds from different sources, a credit card is one of the best options for sources of all funds in one place. But many credit card issuers want applicants to have a fixed deposit as security.

What is a student credit card without FD?

A student credit card without FD is one of the special types of credit cards where the applicant does not need to have a fixed deposit for collateral for the credit card, but the applicant or said student must fulfill some other alternative criteria in place of collateral, like proof of student status, monthly allowances, a guarantor, or association with a partnered university.

Main Feature of Student Credit Card Without FD

Feature	Detail
Security Deposit	Not required
Eligible	Student aged must be 18+
Credit Limit	₹5,000 to ₹25,000 (Usually Low)
Annual Fees	Minimal
Rewards & Offers	Student-oriented discounts, cashback
Usage	: Online/offline purchases, utility payments

Student Blogs: Personal Loan for Students Without a Job – Easy Apply

Banks Offer Student Credit Card Without FD

Bank	Card Name	Highlight
SBI	SBI Student Plus Advantage Card	Low-interest, cashback, reward points
ICICI Bank	ICICI Bank Student Travel Card	Best for foreign education, prepaid functionality
HDFC Bank	HDFC ISIC Student ForexPlus Card	Ideal for global transactions
Kotak Mahindra Bank	Kotak 811 #DreamDifferent Card	No FD needed if savings account active
Slice	Slice Card	App-based approval, no FD, great for students
OneCard	OneCard for Students	Fully digital, no FD, instant approval

Eligibility Criteria of Student Credit Card Without FD

✅ Age: 18 Year to 30 Year Old

✅ Academic Status: Must be enrolled in a recognized college or university

✅ Indian Resident: Must be have a valid Indian residential proof

✅ Savings Account: Preferred with the issuing bank for easier approval

✅ Guarantor: Optional in some cases, not mandatory

✅ Income: Not compulsory but can help like stipend or scholarship 

Documents Required For Student Credit Card Without FD

• Identity Proof: Aadhaar card, PAN card

• Address Proof: Aadhaar card, Utility bills

• Age Proof: Birth certificate, 10th marksheet

• Educational Proof: Valid college ID card, Bonafide certificate, Admission receipt

• Income Proof: Scholarship or stipend letter, Parental income proof, Bank statement

Conclusion

Student credit cards without FD are a smart choice for students, because that way there is only one source of credit funds, and it will become easy to manage only one credit. Unlike if students gather funds from different sources, then it will become complex to manage all sources at once for students, and everyone has their own condition on lending funds, which makes it even harder to manage.

Frequently Asked Questions