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SBI Student Plus Advantage Credit Card
Visa
SBI Student Plus Advantage Credit Card
Purpose-built for students studying on an SBI education loan, this card needs no independent income and can alternatively be secured with a fixed deposit. It's a genuinely no-frills product — no joining or annual fee, 1 reward point per ₹100 spent, and an EMI conversion option — designed purely to give students a starter card and credit history.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Benefits by category
- ⛽ Fuel
2.5% fuel surcharge waiver at all petrol pumps across India
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Benefits
- 2.5% fuel surcharge waiver at all petrol pumps across India
- Issued to students who have taken an education loan from SBI, or against a fixed deposit with the bank
Pros
- + Available directly against an existing SBI education loan, without separate income proof
- + Zero joining and annual fees
- + Low interest rate of 2.25% per month versus typical card rates
- + Flexipay lets purchases over ₹2,500 convert to 6/12/24-month EMIs
Cons
- − Eligibility is tied to having an SBI education loan (or an FD as an alternative), so it isn't open to all students
- − Very basic 1 point/₹100 reward rate with no bonus categories
- − Credit limit is typically modest, reflecting the no-income underwriting