For years, credit cards in India were seen as a financial tool reserved for salaried professionals. But that perception is fast changing. Today, a growing number of young Indians, especially college students, are using student credit cards not just to manage everyday expenses, but to also start building a credit history even before they land their first job.With banks introducing student-friendly credit cards that come with low barriers to entry, zero annual fees, and controlled limits, credit is becoming an early financial learning tool rather than a post-employment privilege.At their core, credit cards offer two things students increasingly value: convenience and rewards. Cashback, discounts, and merchant offers make them attractive alternatives to cash or UPI for regular spending. More importantly, when used responsibly, they help establish a credit score, an asset that plays a critical role later when applying for education loans, personal loans, or even rental agreements.Benefits beyond building a credit score Student credit cards today go beyond credit history building. Products like the IDFC FIRST WOW! Credit Card offer features such as zero joining and annual fees, interest-free cash withdrawals for up to 45 days, and rewards on everyday spending. Because the card is backed by a fixed… Read MoreYourStory RSS Feed
