The Guruji Student Credit Card is a game-changer for Indian students seeking financial independence while managing education-related expenses. The Credit Card is specifically a scheme of the Jharkhand state government for students who have passed their Class 10 (for diploma courses) or Class 12 (for undergraduate studies) from a school in Jharkhand and are pursuing higher education. this card offers a blend of convenience, low-interest rates, and exclusive benefits. Whether you’re covering tuition fees, buying books, or planning a study trip, this Student Credit Card simplifies budgeting. In this guide, we’ll cover eligibility criteria, application steps, benefits, and tips to ensure faster approvals.
What Is the Guruji Student Credit Card?
The Guruji Student Credit Card is a specialized financial product tailored for students enrolled in recognized institutions. It aims to:
- Build credit history early.
- Provide easy access to funds for educational needs.
- Additional offering by the partner banks offers rewards and cashback on essential purchases but not the scheme.
Unlike regular credit cards, it features relaxed eligibility norms and lower interest rates to accommodate student budgets.
Eligibility Criteria for the Guruji Student Credit Card
Applicants need to meet these criteria to be eligible for the Guruji Student Credit Card:
1. Age and Enrollment
- Must be between 18–40 years.
- Currently enrolled in a recognized college or university (Jharkhand colleges listed under the scheme are prioritized).
2. Academic Performance
- Minimum 60% aggregate in the last qualifying exam (varies by bank).
3. Income Proof
- No personal income required.
- Parent/guardian’s income proof may be needed for co-applicant verification.
4. Documentation
- Valid Aadhaar/PAN card.
- College ID and admission proof.
- Passport-size photo and signature.
Colleges in Jharkhand Covered by the Guruji Student Credit Card Scheme
The Guruji Student Credit Card is widely accepted across Jharkhand institutions. Some partnered colleges include:
- IITs, IIMs, AIIMS, XLRI, IISc
- Birla Institute of Technology
- National Institute of Technology
- Xavier Institute of Social Service
- ICFAI Business School
Students from other states can also apply, but priority is given to Jharkhand residents.
Documents Required for Application
Prepare these documents to avoid delays:
- Identity Proof: Aadhaar card, PAN card, or passport.
- Address Proof: Utility bills or rental agreement.
- College Proof: Admission letter or student ID.
- Photographs: Recent passport-size photos.
- Parent/Guardian Documents: Income proof (if required).
Steps to Apply for the Guruji Student Credit Card
Step 1: Choose a Participating Bank
The Guruji Student Credit Card is offered through GSCC Jharkhand portal:
- Check the latest Credit Card Bank List on the official portal.
Step 2: Submit Application
Online:
- Visit the bank’s website.
- Select “Student Credit Card” and fill the form.
- Upload scanned documents.
Offline:
- Visit a branch with physical documents.
- Submit the form to the relationship manager.
Step 3: Verification and Approval
- Banks verify college enrollment and documents.
- Approval typically takes 7–10 working days.
Key Benefits of the Guruji Student Credit Card
- Low Interest Rate: Starting at 4% p.a. (lower than standard cards).
- Cashback Offers: Up to 5% on book purchases and educational apps by some banks.
- No Annual Fee: Lifetime-free card for the first year.
- EMI Facility: Convert high-value spends into manageable installments.
- Contact Support: Reach the Guruji Student Credit Card Helpline Number at 1800-XXX-XXXX for instant help.
Also Read | Best SBI Credit Card to Maximize Cashback and Reward Points
How to Check Your Application Status
Track your application via:
- SMS: Send “STATUS ” to 5676791.
- Online Portal: Log in to your bank’s credit card dashboard.
- Customer Care: Call the Guruji Student Credit Card Contact Number for real-time updates.
Contact Information for Queries
For assistance, use these official channels:
- Helpline Number: 1800-XXX-XXXX (24/7 support).
- Email: nepdhte.jharkhand@gmail.com
- Office Address: Department of Higher and Technical Education, 3rd Floor, Yojna Bhawan, Nepal House, Doranda, Ranchi-834002.
A Hope for Telangana: Bringing the Guruji Student Credit Card to Support Aspiring Engineers
As a parent from Telangana myself, I recently witnessed my son secure a rank of 35,630 in TS EAPCET 2025, a milestone that should fill us with pride. Yet, the joy is overshadowed by the harsh reality of affording private engineering college fees, which are beyond my means as a financially backward household. If a facility like the Guruji Student Credit Card — currently benefiting students in Jharkhand—were available here, it could bridge the gap between dreams and reality for countless families like mine. This card’s low-interest rates, cashback benefits by partnering banks, and hassle-free approval process could empower parents to fund their children’s education without drowning in debt. I urge policymakers and banks to extend such initiatives to Telangana, ensuring no bright mind is left behind due to financial constraints. After all, investing in education today builds a stronger India tomorrow.
FAQs
Q: Who can apply for the Guruji Student Credit Card?
A: Students aged 18–40 enrolled in recognized colleges, including Jharkhand institutions.
Q: Which student credit card is best?
A: The Guruji Student Credit Card stands out for its low interest and Jharkhand-focused benefits but not for cashbacks.
Q: What are the general eligibility criteria for a student credit card?
A: Most banks require enrollment proof, age verification, and co-applicant details (for minors).
Q: What is the interest rate for the Guruji Student Credit Card?
A: It starts at 4% p.a., significantly lower than standard cards.
Q: Application Process for the Guruji Student Credit Card?
A: Apply online via partner bank portals or visit branches with required documents.
Q: Where can I find the Jharkhand college list under this scheme?
A: Check the official website or contact the Guruji Student Credit Card Office for updated lists.
Final Thoughts
The Guruji Student Credit Card is a smart financial tool for students aiming to build credit while managing educational expenses. By meeting eligibility criteria, submitting accurate documents, and leveraging its benefits, you can enjoy hassle-free financial planning. Always use the card responsibly to avoid debt traps.
About the Author
I’m Om Prakash — founder of Paisagyaan.com, a blog focused on making financial knowledge simple, relatable, and useful for everyday Indians. My journey includes over 10 years of navigating the Indian stock market, learning the hard way about investments, debts and real estate.
Read About the Author in detail, who lost 75 lakh rupees during 2009 to 2019 which would be 4.5 crore now in 2025.
But here’s what those losses taught me: Financial knowledge matters — deeply, so you don’t repeat my mistakes. If you’re just starting out or have already faced setbacks, this blog is for you for educational purpose and not advice.
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