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How to Build a 750+ CIBIL Score from Zero (Step-by-Step Guide for Students 2025)

"Rejected." That is the message you will see when you apply for your first Personal Loan or Credit Card if you have no CIBIL score. In India, "No Credit History" is almost as bad as "Bad Credit History." Whether you want to buy an iPhone on EMI, get a bike loan, or apply for a Premium Credit Card, you need a CIBIL score of 750 or higher . But how do you build a score if no bank will give you a loan? This is the classic "Chicken and Egg" problem. Fortunately, in 2025, there are 3 guaranteed ways to build a perfect score without having a job or salary slip. 1. The "FD-Backed" Credit Card (The Golden Ticket) This is the fastest way to build a score from scratch (0 to 750). How it works: You give the bank a small Fixed Deposit (e.g., ₹2,000 or ₹5,000). In return, they give you a Credit Card with a limit of 90% of your deposit. Why banks love it: Since they have your deposit, there is zero risk for them. Best Cards for this: IDFC First WOW...
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5 Secret Student Discounts in India That Will Save You Thousands (2025 List)

Being a student usually means being broke. But did you know that your "Student ID Card" is actually a discount card worth thousands of rupees?

Big companies like Samsung, Amazon, and Indigo Airlines want students as customers, so they offer massive price cuts that normal people don't get. But they don't advertise them loudly.

Today, I am revealing the Top 5 Student Discounts in India that you should claim right now.

1. Amazon Prime (50% Off)

You don't need to pay the full ₹1,499 for Amazon Prime.

  • The Offer: Under the "Prime Youth Offer," students aged 18-24 get 50% Cashback.

  • How to claim: Sign up, verify your age (using PAN/Voter ID), and they will refund half the money to your Amazon Pay wallet.

  • Benefit: Free delivery, Prime Video, and Amazon Music.

2. Samsung Student Advantage

Planning to buy a phone or laptop?

  • The Offer: Samsung has a specific "Student Store."

  • Benefit: You get roughly 5% to 10% extra discount over the regular price. Plus, they often give free insurance (Samsung Care+).

  • How to claim: Log in using your college email ID (.edu) or verify using your Student ID card.

3. Indigo Airlines (6% Off + Extra Baggage)

Going home for the holidays?

  • The Offer: Indigo offers a 6% discount on base fare for students.

  • The Real Bonus: They allow 10kg Extra Baggage for free! (Normal limit is 15kg; Students get 25kg).

  • How to claim: Select "Student" while booking your ticket on the Indigo website. You must show your College ID at the airport check-in counter.

4. Spotify Premium (Student Plan)

Stop listening to ads.

  • The Offer: Normal Premium costs ₹119/month. Students pay only ₹66/month.

  • Benefit: Ad-free music and offline downloads.

  • How to claim: Visit the Spotify Student page and upload your college ID/Schedule for verification.

5. Apple (MacBooks and iPads)

This is the biggest saving on the list.

  • The Offer: If you buy a MacBook or iPad for college, Apple gives you a flat discount (usually ₹10,000 to ₹20,000 off).

  • Bonus: During the "Back to School" sale (usually July-September), they often give Free AirPods with a Mac.

Conclusion

Never leave home without your College ID card. It is the most powerful tool in your wallet. If you are buying a laptop, flight ticket, or software, always ask: "Do you have a student discount?"

Want more money-saving hacks? Check out my guide on: 👉 How to Earn ₹500 Daily Using Your Smartphone 

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