Smart credit cards for students

Students are a credit risk in the short term but this swaps over in the long term so no wonder credit card companies are keen to give credit to students. Smart credit cards for students are the way to go as they offer services like contactless payment. We’ve had a look at the market to bring you a selection of the best cards.
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The student credit card available from HSBC offers a typical 18.9% APR. There’s no annual fee and you can get up to £500 credit. You can manage the account online, and features like Emergency Cash Advance that gives you money if your card’s stolen are pretty useful. You need to be a HSBC Student Bank Account holder to qualify for the card and you also have to be over 18 and a resident of the UK for at least 3 years. The only other criteria is that you don’t hold any other student bank accounts.


The APR offered on the Halifax credit card isn’t as attractive because they typically charge 19.9% to student credit card holders. They do offer greater credit limits as their card can give you access to £1,000. Students will like the weekly balance updates by text message and the payment due alerts that also come via text could be a life saver.


The student credit card from NatWest comes with a 18.9% APR typical rate. Online management and text message reminders are also part of the attraction with this credit card. If you’re interested in finding out more about the credit card and the Student Bank account that comes with it, head to personal.natwest.com.


The card from Lloyds charges a typical 19.9% APR. Their site warns students that they have to remain within the credit limit so there must be penalties given to those who don’t do so. The maximum credit is set at set at £500 which is probably enough for most student’s needs.

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