Home » 5 Reasons Why Every Bihar Student Should Have a Credit Card

5 Reasons Why Every Bihar Student Should Have a Credit Card

by M Asim

In the fast-paced, digitally-driven world of today, possessing a credit card has almost become a necessity, especially for students. The state of Bihar, with its growing number of colleges and universities, is no exception. This article explores five reasons why every Bihar student should have a student credit card, particularly the ones offered by Bajaj Finserv in collaboration with RBL Bank and DBS Bank.

1. Financial Independence

Possessing a credit card enables students to manage their personal expenses independently. Instead of relying on cash from parents or guardians, students can make purchases, pay bills, or fund emergencies using their credit card. This independence fosters financial responsibility, which is an essential life skill.

2. Building Credit History

A student credit card is a brilliant way to start building credit history early in life. By using the credit card responsibly, making payments in full and on time, students can establish a solid credit history. This will be beneficial for them in the future when they apply for a loan or another credit card. Bajaj Finserv’s RBL Bank Credit Card and DBS Bank Credit Card are great tools for building a robust credit history.

3. Reward Points and Discounts

The Bajaj Finserv co-branded credit cards, in association with RBL Bank and DBS Bank, offer attractive reward points and discount schemes. Students can earn reward points on purchases, which can be redeemed for a range of products or services. Moreover, users can avail discounts and cashback offers at various online and offline stores.

4. Emergency Fund

In case of an unforeseen incident or emergency, a credit card can provide the necessary financial cushion. This ensures that students don’t have to resort to borrowing from unsecured sources. It provides the much-needed financial backup to handle unexpected expenses.

5. Convenient for Online Purchases

Given the digital boom and the increasing trend of online shopping, an online credit card becomes enormously handy for students. Whether it’s books, gadgets, or even paying for online courses, an online credit card makes the transactions smooth and swift.

The Bajaj Finserv RBL Bank Credit Card is a super card with manifold benefits. Apart from earning reward points on all purchases, it offers complimentary airport lounge access, free movie tickets, and many more perks. The application process is simple. You need to fill up an online form providing all necessary details and submit it. Post-approval, the card is dispatched to the address mentioned in the form.

On the other hand, the Bajaj Finserv DBS Bank Credit Card is known for its uncomplicated rewards program and extensive range of benefits. Applying for this card is also a straightforward online process. Applicants need to fill up the online form, provide the necessary details, and submit the form. After approval, the card is sent to the mentioned address.


Considering the above advantages, it’s evident that owning a student credit card is beneficial for every Bihar student. Besides providing a sense of financial independence, it provides an excellent opportunity to learn about credit responsibility. Bajaj Finserv’s RBL Bank Credit Card and DBS Bank Credit Card are particularly attractive for students, given their wide-ranging benefits and straightforward application process. So, if you’re a student in Bihar and don’t own a credit card yet, it’s high time you consider applying for one!

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