US Credit Card

Build Your
US Credit History

Whether you’re preparing to study in the U.S. or already settling in, we’ve got you covered. A U.S. credit card helps you build credit from day one, unlocking better rates on loans and insurance, easier approvals for rentals and refinancing, and even boosting job applications. Plus, enjoy everyday perks like cashback rewards, strong fraud protection, and smarter financial control.

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US Credit Card (without SSN)

Get a U.S. credit card before you even land in America. No SSN or U.S. address required.

No SSN needed, apply with passport and visa

Zero annual fee

$1000 - $1500 starting limit

Apply in under 5 minutes

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Benefits of US Credit Card

A U.S. credit card is not just a payment tool, it's your gateway to financial freedom and everyday perks​

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Exclusive Rewards

Access travel points, sign-up bonuses, extended warranties, and purchase protection
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Fraud Protection

Zero liability for unauthorized charges. Shop online and in-store with peace of mind
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Build Credit History

Timely payments enhance your credit score, leading to better loans and lower rates
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Essential for U.S. Life

Credit cards simplify daily tasks by streamlining purchases and managing expenses
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Exclusive Card

Access travel points, sign-up bonuses, extended warranties, and purchase protection.

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Fraud Protection

Zero liability for unauthorized charges. Shop online and in-store with peace of mind

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Build Credit History

Timely payments enhance your credit score, leading to better loans and lower rates.

3d casual life mobile banking cashback

Essential for U.S. Life

Credit cards simplify daily tasks by streamlining purchases and managing expenses.

Why Credit History & Score Matter

A solid US credit history unlocks easier loan approvals, refinancing opportunities, and better financial outcomes for international students

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Quick
Loan Approvals

Get personal and auto loans with quicker approvals and lower interest rates

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Refinancing Student Loans

Refinance loans to affordable U.S. terms using your score

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Access Premium Services

Get approved for premium credit cards, reward points, and insurance deals.

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Renting a Apartment

Easily qualify for apartments without a U.S. co-signer or high security deposits

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How it works?

Get Your U.S. Credit Card in 4 Simple Steps

Check Eligibility

Answer a few quick questions to instantly see if you qualify, with no impact on your credit score.

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Apply Online

Complete your application in minutes using just your 
passport and visa

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Get Your Card

Receive instant access to a virtual card for online shopping while your physical card ships to you

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Build Credit Automatically

Receive your university offer letter timely and get help with loans, visa, scholarships, etc.

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Get your US Credit Card

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Students

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Frequently Asked Questions

About U.S. Credit Card (Without SSN / ITIN)

Do I need an SSN to get a U.S. credit card?

For most student cards, yes.Some newcomer cards allow pre-arrival applications without SSN.

Does Nomad store my SSN?

Nomad only inquires if you possess an SSN—Yes or No. You provide your SSN directly to the bank.

Can applying hurt my credit score?

Most student card applications begin with a soft inquiry, which does not affect your score.

Can I apply without income?

Definitely! Student cards accept:

  • On-campus jobs
  • Assistantships
  • Low-income
  • Expected income

Why not use a debit card?

Debit cards.

  • Have weaker fraud protection
  • Don’t help build credit 
  • Don’t offer cashback/rewards

Credit cards are safer and more beneficial.

Is it safe for international students?

Yes, U.S. credit systems are secure and widely used.Just pay on time and keep usage low.

Understand & explore various categories of education loan options for abroad studies with minimal interest rates. We will cover the top lenders, eligibility, documents, and the application process in this page.
 

What is an Education Loan?

Education loans are a form of financial aid that helps students study without worrying about the associated costs. There are different education loans available in the lending marketplace, and students can explore the options to find the most suitable option for their profile. Education loans are also known as Student Loans.

In the study abroad space, education loans financially empower students to explore great opportunities in foreign universities. While the cost of studying abroad can be hefty for the average student from an ordinary, middle-class family, an education loan helps the student study in top-tier universities and explore better academic and professional opportunities.

Unlike in the past, education loan options are broadened today, catering to the needs of students from different financial backgrounds. We, at Nomad Credit, attempt to bridge the gap by offering expert guidance and tailored solutions for your educational needs.

 

Education loan categories

Broadly, there are two types of education loans – Secured and Unsecured. See the table for a comparison of the two:
Secured education loansUnsecured education loans
You need to pledge collateral security to apply for a loan. The loan amount is determined by the collateral value.No need to pledge collateral security. Education loan is provided against your co-borrower’s income.
The rate of interest is lower than unsecured education loan options.Higher rate of interest than secured education loan options.
Give longer repayment periods.The repayment period is moderate but shorter compared to secured education loan options.
No need to prove your parental income.Your parental income must be up to the set standards.
Among Unsecured education loans, there are different categories that cater to diverse needs such as:
Education loans without collateral or co-borrower: Education loans without collateral or co-borrower are offered by international lenders.
Note: that your university of admission must be listed by the lenders for you to be eligible for such loans.
Education loans with a co-borrower in the US:An education loan can be availed from prominent banks in the US if you have a US citizen or permanent resident in the US as the co-borrower. They are also called US Cosigner loans for convenience.
 

Lenders of education loans

There are mainly three types of lenders who offer education loans to study abroad –Banks, NBFCs, and International lenders.
Banks:Banks have been the conventional resort for education loans for years since the establishment of education loans. In India, public and private banks offer secured and unsecured education loans to study abroad. Prominent banks in the US also offer student loans to international students.
NBFCs:Non-Banking Financial Companies (NBFCs) offer education loans to needy students with affordable terms and conditions. Compared to banks, NBFCs have relaxed terms in accepting your loan application.
International lenders:International lenders are financial institutions with capital in one country and operations in more countries. Unlike banks or NBFCs, they offer hassle-free education loans if your profile is eligible.
 

Our Lending Partners

  • Sallie Mae
  • Prodigy Finance
  • Credila
  • IDFC First
  • Avanse
  • Incred
  • Mpower
  • And many more

 

Eligibility requirements for education loans

It is crucial tocheck the eligibilitycriteria before you apply for an education loan. The eligibility requirements vary for each type of education loan.

However, the following requirements need to be fulfilled to apply for any education loan:

  • You must be a citizen of India or an NRI
  • You must have secured or be awaiting admission to a university abroad
  • You shall not have any existing loan overdue
  • Your co-borrower’s CIBIL scores should be sufficient as demanded by the lender
  • Documents you submit must be legally valid

 

Documents required for education loans for abroad studies

Documents from the student:

  • Duly filled loan application form
  • Recently taken passport-size photographs
  • KYC documents of the student and co-borrower – Aadhar, Driving license, passport, etc.
  • Address proof
  • Proof of admission or application
  • Academic documents – undergraduate, +2, 10th certificates
  • Entrance test results – IELTS, GRE, GMAT, TOEFL, etc.
  • Bank statement of the last 6 months

 

Documents from the co-borrower:

  • KYC documents of the student and co-borrower – Aadhar, Driving license, passport, etc.
  • Address proof
  • Recent passport-size photographs
  • Proof of income
  • Bank account statement for the last 6 months
  • Salary slips of the last 3 months
  • IT Returns and other documents, if self-employed co-borrower
  • Collateral documents if the loan is secured

 

How to choose the best abroad education loan?

Taking an education loan is an important financial decision you make while being a student.
Here are some checkpoints to ensure you get the best education loan:

  • Interest rates: It is best to go for an education loan that has the lowest interest rates for you. Low rates of interest will help you save money, and even a small difference in interest rates can cost a significant amount in loan repayment.
  • Interest difference in different countries: Usually, the rate of interest will be lower in INR rates compared to USD rates. When you see an education loan in the US currency offers lower interest than education loans in India, be mindful that the rates will be much higher when converted to the Indian currency.
  • Repayment period: You must choose an education loan that offers you a sufficient repayment tenure. You can either negotiate with the lender or choose a different loan option if you come across issues related to your repayment tenure.
  • Tax benefits: Education loans from Indian banks and Credila offer you tax benefits under Section 80 E. You can prioritize education loan options with tax benefits to save more money.
  • Other costs: There will be other charges, like Forex conversion, processing fee, Insurance cost, etc. Go through them and choose the loan option with the least possible charges.

 

Looking for guidance to apply for education loans?

We at Nomad Credit are committed to bringing ease and comfort to students by properly guiding them to search for the best education loan options. Our dedicated team of experts will analyze your profile and suggest the education loan options that may best fit you. And what’s more – all our services are of zero cost to you
 

 

Frequently Asked Questions

What is margin money in education loans?

Margin money refers to the amount that the student has to contribute to the total loan amount. For example: if your loan has a 5% margin, you will get only 95% of the loan amount, and it’s your duty to add the remaining 5% to the loan.

Can I get a 100% loan to study abroad?

Yes. If approved, many lenders offer education loans with no margin money that cover 100% of your expenses. However, it is mandatory that you meet the eligibility requirements.

What is the maximum loan amount students can get from education loans?

From Indian lenders, students can get up to INR 1.5 Cr and from banks in the US, the maximum loan amount can be up to INR 1.8 Cr. If approved, the maximum loan amount depends on your co-borrower’s income (or collateral value), country and course of study, and similar other factors.

Who can be a co-borrower for an education loan?

In India, the co-borrower must be a close relative of the student, such as a parent, sibling, spouse, parent-in-law, etc. The co-borrower must be earning the minimum income specified by lenders without any other obligations, as well as other eligibility requirements to be approved. However, for US banks, the co-borrower can be anyone who is a US citizen or a permanent resident in the country. Like in India, the co-borrower must meet the income criteria and other eligibility requirements to be approved.

Why there is insurance for education loans?

Education loan insurance helps when unexpected events, like the student’s untimely demise, occur. The insurance company will take care of the loan, thereby not troubling the student’s family with repayment.