Can International Students Get a Credit Card in Canada?

Yes. Many international students can get a credit card in Canada, as long as they meet basic requirements like being the age of majority and having the right ID.

Some banks also offer international student/newcomer credit cards that don’t require Canadian credit history.

KOHO Essential

If you want something you can use for everyday spending while you work toward a traditional credit card, with KOHO Essential:

• It has a low monthly plan fee that can be waived when you set up direct deposit or add +$1,000.

• Use a prepaid Mastercard® for groceries, bills, subscriptions, and travel.

• Grow your savings with a 2% interest savings rate on your entire balance.

• Earn 1% cash back on groceries, eating & drinking, and transportation.

• You can subscribe to Credit Building for $10/month, it's an affordable way to build your credit history.

• Enjoy unlimited transactions and free e-transfers (never worry about fees when sending money to someone again).

What You Usually Need

Most issuers will ask for some mix of these:

• Age of majority (18 in some provinces, 19 in others)

• Passport + study permit (and sometimes a second piece of ID)

• Proof you’re a student (like proof of enrolment, student ID, or timetable)

• A Canadian address and phone number

• Proof of income sometimes (job, scholarship, or support). Not always required for student programs

Do You Need a SIN?

Often, no. Some applications say it’s optional, and providing it can help match your credit file faster.

What Kind of Card Can You Get?

1) International Student or Newcomer Credit Cards

Some banks have options made for international students. These may have lower limits at first, but can be easier to get without Canadian credit history.

2) Secured Credit Cards

If you’re getting declined, a secured card can be a backup option. You put down a refundable deposit, and that deposit usually becomes your credit limit.

Tips to Improve Your Chances

• Open a Canadian bank account first (some programs expect this).

• Start with a lower limit if you’re new to Canada.

• If approved, pay on time and keep spending low compared to your limit.