Here is a detailed breakdown of how you can build your CIBIL score using a student credit card. When you apply for a student credit card, it is a gateway into the credit economy. Beyond the Basic Benefits of a Student Credit CardWhen you choose to student credit card apply process, you may start by browsing different banks that offer them. Establishes a credit record One of the biggest advantages of a student credit card is that it helps create a formal credit record. ConclusionA student credit card can be a valuable tool for building a strong credit foundation early in life.