Getting an Indian student credit card may be an exciting first step toward achieving financial independence and establishing a credit history. However, the method may look difficult for students from other countries or people lacking a Social Security Number (SSN). We’ll guide you through the process of getting a secured student credit card without the demand for an SSN in this post, giving you the confidence you need to start managing your money.

Student Credit Card

Choose the Right Type of Student Credit Card

Understanding the various credit card kinds offered in India is essential before applying for one. Banks frequently provide customized credit cards for students that are made to meet your needs. Look for credit cards with perks and features that meet your spending preferences and lifestyle, such as cheap annual fees, rewards, and bonuses.

Gather Required Documents

Indian banks are more flexible than foreign banks in accepting alternative forms of identification for a student credit card application without an SSN, while still requiring proof of identity and residence.

Passport: Your primary form of identification is a current passport. Make sure your passport is current and has the details of your current visa.

Address Proof: Deliver a document that demonstrates your local Indian address as proof of address. This might be a letter from your school institution, a utility bill, or a lease agreement.

Enrollment Proof: Most banks want a letter from your institution or university verifying your enrollment as a student as proof of enrolment.

Open a Bank Account

Having a local bank account in India can strengthen your credit card application. It is helpful for candidates to be already acquainted with the bank to which they are applying. Visit a nearby bank office to create an account and find out about their credit card options.

Explore Co-Signer Options

Consider applying with a co-signer if you need help acquiring a student credit card. A co-signer is a family member who agrees to share responsibility for repaying the card’s debt. Having a partner with a solid credit history might significantly increase your chances of being accepted.

Apply for a Secured Credit Card

If traditional student credit cards are not accessible, you may acquire a secured credit card. With a secured card, you provide a cash deposit as collateral, which represent as your credit limit. Secured credit cards are the best way to establish credit history.

Check for International Student Programs

Some banks in India offer credit card programs specifically tailored to international students. These programs may have more lenient eligibility criteria, making it easier for students without an SSN to get approved.

Online Application Process

Once you’ve gathered the necessary documents and chosen a suitable credit card option, you can initiate the online application process. Most banks offer user-friendly online application forms on their websites. Fill in your details accurately and submit the required documents electronically.

Await the Bank’s Response

After submitting your application, banks typically take some time to review it. They may contact you for additional information or clarification if needed. Be patient during this period and be prepared to provide any requested documents promptly.

Also Read: How to Read and Interpret Your Credit Card Statement Balance


Even without a (SSN) number, it is possible to apply for a student card, but somehow it can be little difficult. By taking the steps outlined above and looking for alternatives, you can establish your credit history as a student and benefit from having a credit card.

Don’t forget to manage your credit responsibly by paying all of your bills on time and keeping your credit utilization low. Over time, your responsible credit behavior will help you qualify for better credit card offers and financial opportunities in India.

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