ICICI Bank Student Credit Card
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4.2/5 (3,890 reviews)

ICICI Bank Student Credit Card

Perfect start to your credit journey

Annual Fee NIL
Reward Rate 2X Points
Special Feature Student Benefits
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Key Features & Benefits

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Student Friendly

Designed specifically for students with easy approval

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Zero Annual Fee

No annual fee for lifetime for students

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2X Reward Points

2X points on online shopping and dining

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Educational Benefits

Discounts on educational courses and books

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Entertainment Offers

Movie tickets and streaming service discounts

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Digital Rewards

Enhanced rewards on digital platforms

Reward Structure

Category Reward Rate Value
Online Shopping 2 points per ₹100 2% value
Dining 2 points per ₹100 2% value
Education/Books 2 points per ₹100 2% value
All Other Spends 1 point per ₹100 1% value

Points Value: 1 Point = ₹1 when redeemed

Points Validity: 2 years from earning

Minimum Redemption: 500 points

Fees & Charges

Annual Fee NIL
Joining Fee NIL
Interest Rate 3.5% per month
Cash Advance Fee 2.5% (Min ₹250)
Foreign Currency Markup 3.5%
Overlimit Fee 2.5% of overlimit amount

Eligibility Criteria

Requirements

  • Age: 18-25 years (Students only)
  • Currently pursuing graduation or post-graduation
  • Enrolled in recognized college/university
  • Valid student ID required
  • Indian citizen/resident
  • No minimum income requirement

Required Documents

  • Student ID Card
  • College admission letter
  • Identity Proof (Aadhaar/PAN)
  • Address Proof (Aadhaar/Utility Bill)
  • Parent's income proof (if applicable)
  • Recent photographs

Pros & Cons

āœ… Pros

  • Zero annual fee (lifetime)
  • No joining fee
  • Easy approval for students
  • Good rewards on relevant categories
  • Educational discounts
  • Low minimum redemption
  • ICICI bank privileges

āŒ Cons

  • Limited to students only
  • Lower credit limit
  • No airport lounge access
  • Basic travel benefits
  • Short points validity
  • Limited premium features

Apply for ICICI Bank Student Credit Card

Perfect For

  • āœ… College students
  • āœ… First-time credit card users
  • āœ… Online shoppers
  • āœ… Educational expense management
  • āœ… Building credit history

Quick Application

Frequently Asked Questions

How to apply for ICICI Bank Student Credit Card?

You can apply online through ICICI Bank website, mobile app, or visit the nearest branch with required student documents including college ID and admission letter.

What is the minimum age requirement?

The minimum age requirement is 18 years for students enrolled in graduate or postgraduate courses with valid college enrollment proof.

What are the benefits for students?

Enjoy low credit limit to build credit history, online shopping benefits, dining discounts, fuel surcharge waiver, and financial literacy resources.

Is there an annual fee?

This is typically a no annual fee card designed for students, with waiver available during the initial years as mentioned in the features section.