You are studying in college and want the freedom and convenience that comes with owning a Credit Card. Are there Student Credit Cards you can use? How does one go about getting such a card?

If you are a part-time student, who has a steady source of income and a Savings Bank Account, you can opt for any of the HDFC Bank Credit Cards.

If you are a student without a source of income, then you can get a Credit Card only as an add-on card.

What is an add-on card?

An add-on card is a supplementary card that an existing Credit Card holder can opt for. Usually, individuals opt for add-on cards for their spouse, parents or children. The add-on card works as well as a Credit Card for all practical purposes. The add-on card shares the credit limit with the main card, except if the parent cardholder specifies a sub-limit.

An add-on card works great as a student Credit Card because you can enjoy all the benefits, rewards and discounts available to the parent card.

Features of an add-on card

• An add-on card is offered free on HDFC Bank Credit Cards
• Add-on cards require almost no documentation, and the application process is simple
• Anybody above the age of 18 can be issued an add-on card (if you are in senior college, this makes for a perfect student Credit Card)
• Expenses on an add-on card are included in the monthly statement of the parent card. So, parents can easily monitor the spending of their children. You can also receive alerts on transactions to monitor usage
• You can specify a sub-limit for the add-on card to cap spending
• Add-on cards can be used for both online and offline purchases

How to get an add-on student Credit Card?

If you are an existing HDFC Bank Credit Card holder, you can apply for an add-on card in the following ways:

Branch: Download and fill up the add-on Credit Card application form and submit it at your nearest branch.

NetBanking:

• Login to NetBanking and go to the Cards Tab
• Click on Transact on the left-hand side margin
• Click on ‘Request add-on Credit Card’ from the drop-down menu and follow the instructions

Don’t forget opting for an add on Credit Card is easy, if you already have an existing Credit Card.

Are you looking to apply for a Credit Card? Click to know your options!

Looking to apply for your very own Credit Card? Click to know how to improve your eligibility now!

* Terms & conditions apply. Credit Card approvals are at sole discretion of HDFC Bank Ltd. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.