Credit Card at 18 in India | First Card With ₹2,000 FD

Credit card at 18: your first card

At 18 you can get your own credit card. Most banks still want income, but a card against a small fixed deposit only needs your PAN, Aadhaar and ₹2,000. Check the full eligibility and documents.

Apply from your 18th birthday

PAN and Aadhaar only

No income needed

Last updated: 2026-10-19

Why start at 18

Your credit age is one part of your score. Starting at 18 gives you a head start of several years over people who wait for their first job.

What you need

Proof that you are 18: your Aadhaar or PAN
Your own PAN card and Aadhaar with a linked mobile number
₹2,000 or more for the FD

Read credit card at 18 in India: what you need.

First-month checklist

Set up autopay for the full bill.
Use the card for one or two small regular spends.
Never share your card number, CVV or OTP.
Check your bill every month.

Next step

Learn how the student FD card works, then apply with the form on this page.

Frequently asked questions

What is the minimum age for a credit card in India?

18 years. Before that you can only use add-on cards linked to a parent.

I don't have a PAN card yet. What should I do?

Apply for PAN online first. It is needed for KYC on any credit card.

Can I apply on my 18th birthday?

Yes, as long as your documents show you are 18.