How to Apply for Student Credit Card
Posted on: 25 February 2023, By : Koustav Singha (Academic Counselor)

The West Bengal Student Credit Card is a kind of education loan provided by the Government of West Bengal for students who want to pursue higher education and is in requirement of financial assistance. Under Student Credit Card you can apply for a loan up to Rs. 10 Lakhs which can be utilized for payment of College Tuition Fees, Hostel Fees,  Purchasing books, educational equipment, college uniform, and other educational purposes.

Benefits of Student Credit Card

• No Guarantor / Collateral is required for Student Credit Card.
• Low-Interest rate - only 4% per annum 
• Up to 15 Years of the repayment period.
• The loan can be utilized for not only College tuition fees payment but also for Hostel Fees, Books, Educational Equipments etc

Eligibility:- 

• ​Permanent Resident of West Bengal
• 10+2 form a recognized Board / University
• Bonafide Certificate of the College / University.
• Minimum of 18 Years of age.

Since there is no higher income limit on eligibility for the credit card, any student over the age of 18 can apply. The West Bengal Student Credit Card (WBSCC) is a project initiated by the Higher Education Department, Government of West Bengal, that will encourage students to pursue their education without any financial limitations. Students may use WBSCC whether they're pursuing secondary or graduate-level education.
 
How to Apply for Student Credit Card / Education Loan
 
The procedures for applying for a student credit card-
Step 1: Before registering, please download the programme document and carefully read it.

Step 2: Required documents are -
(i) A colour photo of the candidate (within 50 KB and 20 KB in size in.jpeg or.jpg format)
(ii) Signature of the student (must be in.jpeg/.jpg format, between 50KB and 10 KB)
(iii) Student’s Aadhaar card (should be in.pdf format, between 400 KB
and 50 KB)
(iv) Signature of the guardian (should be in.jpeg or.jpg format,
between 50 KB and 10 KB.
(v) Class 10th Board registration certificate (if they do not have an AADHAR card) (must be in.pdf format and weigh between 50 KB and 400 KB).
(vi) Guardian's Address Proof (must be in.pdf format and be no more than 400 KB and 50KB)
(vii) Admission Receipt (must be in.pdf between 50 KB and 400 KB)
 
Step 3:
Online Registration: https://www.wb.gov.in
or https://banglaruchchashiksha.wb.gov.in
and click STUDENT CREDIT CARD tab or log in to
https://wbscc.wb.gov.in To create a user ID and password, select the REGISTRATION option, complete the Student Registration Form, and then click the Register button.

Step 4:

A unique ID will be generated After you complete your registration process. This unique ID will be sent on your Mobile number and Email ID. This will be used  as your user ID for submitting applications. For all future purposes, the unique ID will be used as the user ID.

Step 5:
After your login id and password is created you have to select ‘Student Login’ using the Unique ID you can apply for the loan. Then you have to send the application form and the necessary documents for processing of the loan. Your loan application will be approved if all of your relevant evidence is accurate.

Conclusion
The Student credit card will help needy students to pursue the higher education of their choice without the hassle of mortgaging property for loans or putting their life long earnings into college fees. Thus, this government program if implemented at the ground level will help many students to have access to higher education which was once only a distant dream for them.