Suggest Credit card for STUDENT

Suggest Credit card for STUDENT

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So I’m looking to get a credit card.I being a student don’t have any source of income, so i found out that I can get CC against Fixed deposit.
I’ve three banks in mind: ICICI ,HDFC and axix. But i don’t currently have accounts in any of these.


So please suggest me which will be best to open account with and provide credit card against Fixed deposit

I can have FD of upto 1L if that matters.


Thanks in advance!

57 Comments  |  
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Don’t go for a credit card untill you earn at least 40k per month…and since you are a student…you don’t need one….
Can you tell why you need it?

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suman1520 wrote:

Don’t go for a credit card untill you earn at least 40k per month…and since you are a student…you don’t need one….
Can you tell why you need it?

I’m fascinated by them. I just want to build my Credit score and maybe if i can get few rewards while doing that,then I’d be sweet.

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Hdfc offers cc without any document if you open account maintain good balance.

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NoobieNoob wrote:

I’m fascinated by them. I just want to build my Credit score and maybe it i can get few rewards while doing that,then I’d be sweet.

Look.. there is nothing to get fantasized of….if you spend through credit card , you will get time to pay back…also you will get reward points.
But the thing is you have to spend… credit card prompts you to spend more in some or other way..
So if your are not earning 40k per month..don’t get in the trap…
You don’t have to worry about cibil score till you are going for a loan…
Since you are a student now…spend time in your study…

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1 time tha jab students books ka suggestion mangte the, ab credit/debit/offers ka suggestion mangte hain wink

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Imharsh wrote:

1 time tha jab students books ka suggestion mangte the, ab credit/debit/offers ka suggestion mangte hain wink

True

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Out of 3 – ICICI Bank and Axis Bank issue credit card against FD.

Take Axis Bank Credit Card because Axis Bank may remove lien on FD after 6 months and you can break FD after lien on FD is removed and Credit card is also not closed.

Other Banks do not remove lien on FD.

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tank_u_m8 wrote:

Hdfc offers cc without any document if you open account maintain good balance.

Approximately how much balance?

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_One_Miller_ wrote:

Approximately how much balance?

I am not sure but more the balance, quicker they will offer you a card.
For example: one person i know who had average balance of approx 20k got the offer after 1.5 years of account opening whereas another friend with balance+fd of 1.6 lakh got they offer within 6 months of account opening.

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Imharsh wrote:

1 time tha jab students books ka suggestion mangte the, ab credit/debit/offers ka suggestion mangte hain wink

CC se books lunga sahib 🥺

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Imharsh wrote:

1 time tha jab students books ka suggestion mangte the, ab credit/debit/offers ka suggestion mangte hain wink

Ab smart ho gaye hai students.

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NoobieNoob wrote:

CC se books lunga sahib 🥺

sirf sunny leone ka book debit card/net banking se nhi milta. baaki sabka milta he

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tank_u_m8 wrote:

I am not sure but more the balance, quicker they will offer you a card.
For example: one person i know who had average balance of approx 20k got the offer after 1.5 years of account opening whereas another friend with balance+fd of 1.6 lakh got they offer within 6 months of account opening.

Thanks to you and Bank staff.
You – for giving good information.
Bank staff – for Not opening my account without Cheque.
Because I would have maintained 10000 which demands more time to trigger Credit card offer.
And HDFC Bank is very slow in giving cashback on Debit card offers. @desiman knows very well.

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Imharsh wrote:

sirf sunny leone ka book debit card/net banking se nhi milta. baaki sabka milta he

Shhhh 🤫🤫🤫🤫


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rogerthat wrote:

20% margin


Axis insta easy card

using from 4 years

Axis Flipkart CC Is available against FD?

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_One_Miller_ wrote:

How you got?

Bhai ismein kya pata karna,roger bhai bank employee hain aur axis kaa card bhi use kar rahe itne saalon sey.unka application toh priority pur approve ho gaya hoga.

TL: What to ask,@rogerthat is a bank employee & also using axis cc for years.His application for fk axis card would have been approved on a priority basis.

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guest_999 wrote:

Bhai ismein kya pata karna,roger bhai bank employee hain aur axis kaa card bhi use kar rahe itne saalon sey.unka application toh priority pur approve ho gaya hoga.

TL: What to ask,@rogerthat is a bank employee & also using axis cc for years.His application for fk axis card would have been approved on a priority basis.

LoL.

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guest_999 wrote:

Bhai ismein kya pata karna,roger bhai bank employee hain aur axis kaa card bhi use kar rahe itne saalon sey.unka application toh priority pur approve ho gaya hoga.

TL: What to ask,@rogerthat is a bank employee & also using axis cc for years.His application for fk axis card would have been approved on a priority basis.

yes i didt even knew of card in first place

was at home for 3 days

luckily i saw and applied for card through fk and get get call back same day
next day branch people called and confirmed details
next day guy with tab came took pics of kyc and salary slip
and received my card in 15 days

i got add on card too without asking at first i was not feeling good about that
but i used twice both card total 4x on paypal 100% cb upto 600.

so was worth it. no charges so dont care

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