Starting your credit journey as a student can be exciting but also a bit daunting. Secured credit cards are your perfect ally in this journey, offering a low-risk way to build and maintain a healthy credit score while learning the ropes of financial responsibility. Whether you’re looking for cards with no annual fees, cashback rewards, or flexible deposit options, we’ve got you covered! In this guide, we’ll explore the best-secured credit cards tailored for students, helping you make an informed decision to kickstart your financial future. Let’s dive in!

1. IDFC WOW!

• Joining/Annual Fee — Nil
• Minimum FD Amount — 10000

Top Features

• 0 Forex Markup Fee
• Do consider using this referral link if you’re willing to apply for this card -> link

2. IDFC FIRST Earn

• Joining/Annual Fee — 499 + GST
• Minimum FD Amount — 5000

Top Features

• 100% cashback up to ₹500 on your 1st UPI transaction
• Virtual Only Card
• 1% Cashback on all UPI spends through the IDFC Mobile Application
• Do consider using this referral link if you’re willing to apply for this card -> link

3. Au Nomo

• Joining Fee — 199+ GST
• Minimum FD Amount — 10000

Top Features

• Begin your journey with NOMO and earn 500 Reward Points on your very first transaction within 30 days of card setup.
• Cross ₹25,000 retail spends in a quarter & get 500 Reward Points plus receive an additional 500 Reward Points on retail spends of ₹50,000 in a quarter.
• Minimal Forex Markup Fee of only 0.99%
• 2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 30,000 spent in the previous quarter
• 2 Complimentary Railway Lounge visits per calendar quarter

4. SBM Glid Credit Card

• Joining/Annual Fee — Nil
• Minimum FD Amount — 2000

Top Features

• This card provides one of the best welcome benefits

Conclusion: Start Your Credit Journey with Confidence!

Building credit as a student doesn’t have to be overwhelming. Secured credit cards are a fantastic starting point, offering you the tools to learn, grow, and establish good financial habits. With so many options designed with students in mind, you can find a card that fits your needs, whether it’s low fees, rewards, or flexibility. Remember, the key to success is using your card responsibly and paying off your balance on time. Ready to take control of your financial future? Choose the right secured credit card and start building your credit with confidence today!