Student Credit Card Scheme, west bengal student credit card scheme details, student credit card eligibility, student credit card west bengal pdf,
Student Credit Card Scheme: A student credit card is a credit card offered to students at the college level. Any student above the age of 18 years is eligible to apply for the credit card as there is no income eligibility limit. These credit cards have low-interest rates and a validity period of five years.
In Hindi: स्टूडेंट क्रेडिट कार्ड कॉलेज स्तर पर छात्रों को दिया जाने वाला क्रेडिट कार्ड है। 18 वर्ष से अधिक आयु का कोई भी छात्र क्रेडिट कार्ड के लिए आवेदन करने का पात्र है क्योंकि आय की कोई पात्रता सीमा नहीं है। इन क्रेडिट कार्डों पर कम ब्याज दर और पांच साल की वैधता अवधि होती है।
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Contents
Eligibility | Above 18 years of age Must be a college-going student |
Documents Required | Birth certificate Identity card issued by the college/university Proof of residential address Recent passport-size photograph PAN Card (Permanent Account Number) |
Credit Limits | Student credit cards have a lower credit limit compared to other credit cards offered by banks. On average, a student credit card has a credit limit of Rs. 15, 000. This is done to ensure that the cardholders do not incur debts as a result of unrestricted spending. |
Card Validity | Student credit cards are generally valid for a period of five years from the issue date, as compared to regular credit cards which have a three years validity period |
Duplicate card free of cost | If the student credit card holder misplaces their card or it is stolen, a duplicate card would be issued free of cost or at a very nominal charge |
Waiver of fees | Student credit cards often do not have a joining fee and have very low annual charges, making it easier for students to maintain the cards |
Documentation | Students’ credit cards do not require exhaustive documentation, unlike most other credit cards. The bare minimum of documentation is required when applying for a card |
Special deals and rewards | The student cards come bundled with rewards and loyalty programs that offer cashback or cash points when a certain amount is spent using the card. The cards also have special offers and discounts on services as well as purchases worldwide. If the cardholder wishes to, the student credit card can be upgraded to a regular credit card anytime during the card’s validity. |
Suggested Link:- National Scholarship Portal
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