# Credit cards for students in India, by deposit · Brief 5 cards issued today are offered to students by their banks, and each one needs a deposit. 5 need no income proof and 3 have no annual fee. Every card issued today that its own bank offers to students, smallest deposit first. Each row is what the bank says about students and about the deposit, with the date it was last read. 5 cards · current to 10 November 2026 ## Credit cards for students (5) - [DCB ZET Credit Card](https://getbrief.cards/cards/dcb-zet): Minimum deposit ₹2,000 · DCB names students among the people this card suits, since it needs no income proof. · Issued against a DCB fixed deposit of ₹2,000 to ₹10 lakh, held for a year or more. Your limit is 90% of the deposit, and no income proof is needed. · lifetime free · 2.49% forex · ✓ official · checked 28 October 2026 - [Kotak 811 #DreamDifferent](https://getbrief.cards/cards/kotak-811-dreamdifferent): Minimum deposit ₹10,000 · Kotak offers Dream Different to students, set up against a fixed deposit with no annual fee and no income proof. · Issued against a Kotak fixed deposit of at least ₹10,000, with no income proof. Kotak’s terms set the limit at 80% of the deposit; its student page says up to 90%. · ₹424 to join · 2% forex · ✓ official · checked 11 November 2026 - [DCB PayLess Platinum Credit Card](https://getbrief.cards/cards/dcb-payless-platinum): Minimum deposit ₹15,000 · DCB names students among the people this card suits, since it needs no income proof. · Issued against a DCB fixed deposit of at least ₹15,000, held for a year or more. Your limit is up to 90% of the deposit, and no income proof is needed. · ₹350 fee, waivable · 3.5% forex · lounge · ✓ official · checked 27 October 2026 - [IDFC FIRST WOW](https://getbrief.cards/cards/idfc-first-wow): Minimum deposit ₹20,000 · IDFC FIRST offers WOW to students on a page of its own: no income proof or credit history, backed by a fixed deposit. · Issued against an IDFC FIRST fixed deposit of at least ₹20,000. Your limit is 100% of the deposit, and no income proof is needed. · lifetime free · 0% forex · 1 status · ✓ official · checked 27 October 2026 - [DCB PayLess Select Credit Card](https://getbrief.cards/cards/dcb-payless-select): Minimum deposit Varies · DCB names students among the people this card suits, since it needs no income proof. · Issued against a DCB fixed deposit held for a year or more. DCB lists ₹1,50,000 as the minimum deposit for Select and ₹15,000 for its PayLess cards in general. Your limit is up to 90% of the deposit. · ₹1,000 fee, waivable · 3.5% forex · lounge · ✓ official · checked 27 October 2026 Cards whose bank names students on a page of its own or in its terms. A low fee or a deposit alone does not count, a bank that says nothing about students puts no card here, and programmes open by invitation only are left out. Smallest stated deposit first, then lowest fee, then by name. A card whose bank states no single minimum comes last. ## What changed on these cards The newest changes on record to cards on this list, each dated, with its source on its own page. - [IDFC FIRST drops the forex markup on every credit card](https://getbrief.cards/changes/idfc-zero-forex-2026) · Improvement · 9 September 2026 · IDFC FIRST WOW - [Kotak Dream Different charges a 424 rupee joining fee from 1 September](https://getbrief.cards/changes/kotak-dd-joining-2026-09) · Fee change · 1 September 2026 · Kotak 811 #DreamDifferent - [IDFC First WOW points now expire and earn is capped to your credit limit](https://getbrief.cards/changes/idfc-wow-deval-2026) · Devaluation · 18 June 2026 · IDFC FIRST WOW - [Kotak Dream Different stopped earning reward points](https://getbrief.cards/changes/k811dd-rp-end-apr26) · Devaluation · 1 April 2026 · Kotak 811 #DreamDifferent - [Visa Infinite cards now fast-track to GHA DISCOVERY Titanium (to 31 Dec 2026)](https://getbrief.cards/changes/gha-visa-fasttrack-2026) · Improvement · 19 February 2024 · IDFC FIRST WOW Every change, dated: https://getbrief.cards/changes ## Questions this page answers ### Can a student get a credit card without a deposit? As of 10 November 2026, not among the 5 cards banks offer to students here: each one needs a deposit with the bank. ### Which student credit card needs the smallest deposit? As of 10 November 2026, DCB ZET Credit Card: ₹2,000. ### Which student credit cards need no income proof? As of 10 November 2026, 5 of the 5: DCB ZET Credit Card, Kotak 811 #DreamDifferent, DCB PayLess Platinum Credit Card, IDFC FIRST WOW and DCB PayLess Select Credit Card. ### Which student credit cards have no annual fee? As of 10 November 2026, 3 of the 5: DCB ZET Credit Card, Kotak 811 #DreamDifferent and IDFC FIRST WOW. ### Which student credit card costs least abroad? As of 10 November 2026, IDFC FIRST WOW: a forex markup of 0. ## Other lists - [Lifetime free](https://getbrief.cards/lifetime-free-credit-cards) - [No forex markup](https://getbrief.cards/zero-forex-markup-credit-cards) - [Cashback](https://getbrief.cards/cashback-credit-cards) - [Travel](https://getbrief.cards/travel-credit-cards) - [RuPay and UPI](https://getbrief.cards/rupay-credit-cards) - [Fuel](https://getbrief.cards/fuel-credit-cards) - [Amazon](https://getbrief.cards/amazon-credit-cards) - [Flipkart](https://getbrief.cards/flipkart-credit-cards) - [Swiggy and Zomato](https://getbrief.cards/swiggy-zomato-credit-cards) - [Rent](https://getbrief.cards/rent-credit-cards) - [Secured](https://getbrief.cards/secured-credit-cards) - [Lounge access](https://getbrief.cards/lounge) - [Point values](https://getbrief.cards/how-brief-values-points) - [Transfer partners](https://getbrief.cards/transfer-partners) - [Side by side](https://getbrief.cards/compare) - [Every card](https://getbrief.cards/cards) --- Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page. Canonical: https://getbrief.cards/student-credit-cards