Apply for the official PanIIT USA
 Credit Cards

Deserve Edu helps international students build a credit history
 Deserve Pro rewards professionals with higher cash back on things they enjoy the most

For students 

Deserve Edu-IIT Mastercard Benefits:

$30 statement credit for you and Pan IIT USA

No annual fees or transaction fees

1% cashback on all purchases**

Amazon Prime Student on us*

Mastercard Platinum Benefits

For professionals 

Deserve Pro-IIT Mastercard Benefits:

No annual fees or transaction fees

3% cashback on  Travel and Entertainment**

2% cashback on Dining**

1% cashback on all other purchases**

Mastercard Platinum Benefits

*If you enroll with Amazon Prime Student and pay for such service with your SelfScore or Deserve Edu card following the 6-month free period, we will reimburse your Amazon subscription fees (up to a lifetime total of $59) as a benefit of being a SelfScore or Deserve Edu Mastercard cardholder. This offer is also valid for existing Amazon Prime Student subscriptions that were paid for with a SelfScore or Deserve Edu Mastercard on or after October 1, 2017, for up to a lifetime total of $59, provided that your account is in good standing when the charge(s) appear on your credit card statement. Each SelfScore or Deserve Edu Mastercard cardholder may only redeem this benefit for a lifetime maximum reimbursement of $59.
 If you elect to pay the Amazon Prime Student annual fee (currently $59), our payment/reimbursement for $59 will appear on your account after the completion of the 6-month free period when Amazon bills your credit card account, provided that your account is in good standing at that time.
 If you elect to pay for Amazon Prime Student on a monthly basis (currently $6.49 per month), our payment/reimbursements will appear on your account statements for the 9 months after the completion of the 6-month free period when Amazon bills your credit card account, until you reach a total reimbursement of $59, provided that your account remains in good standing during the 9-month period.
 Deserve is not affiliated with Amazon and Amazon does not warrant this offer. Any questions about the offer should be directed to Deserve, Inc. Any questions about Amazon Prime services should be directed to Amazon.

**Purchases do not include items returned for credit, and interest and account fees.

Subject to approval. Certain terms, conditions and exclusions apply. Please see Deserve Edu terms and conditions or Deserve Pro terms and conditions for details.

Support PanIIT USA by applying for Deserve IIT Mastercard

If you’re a student, you get a $30 statement credit when you’re approved for the Deserve IIT EDU Mastercard.

Whether you’re a student or a professional, a portion of every purchase you make with your Deserve IIT Mastercard will go to Pan IIT USA to support various projects and initiatives.

 

Frequently Asked Questions

  1. Who can apply for the IIT Mastercard?

  2. What are the steps to apply for the IIT Mastercard?

  3. Why am I being asked to log into my bank account?

  4. What is Deserve?

  5. Do I need to provide my SSN to apply for IIT Mastercard?

  6. What is Celtic Bank?

  7. How long does it take to receive the IIT Mastercard?

  8. I have a question about my IIT card, who do I contact?

  9. How do I access my IIT Mastercard account details?

  10. Does my IIT card come with ID theft protection?

  

Who can apply for the IIT Mastercard?

All IITians who currently work or study in the US may apply for the Deserve IIT Mastercard. Please ensure that you’re registered on PanIIT USA to expedite your verification as an IITian.

  

What are the steps to apply for the IIT Mastercard?

Deserve IIT Pro ~ 4 mins to complete application

Deserve IIT Edu ~ 10 mins to complete application

  • Fill out the Deserve IIT Edu Mastercard application. No SSN or credit history required if you’re an IITian pursuing higher education in the US.  Begin here
  • Provide one-time read-only access to your bank account OR upload a copy of your bank statement. Why am I being asked to log into my bank account?
  • Upload a photo or scanned copy of your Passport, US Visa & Form I-20. These documents are required to confirm your identity and ability to pay in lieu of using your SSN and credit history.

Back to FAQs

  

Why am I being asked to log into my bank account?

Deserve® requests One Time Read Only access to your bank account for real-time verification of the details on your application as they do not solely rely on FICO scores. Please rest assured that:

  • Your username, password, access code etc. are not saved.
  • No information is shared without your permission.
  • Deserve takes very seriously the security of their applicants information and documentation.You can also review Deserve’s Privacy Policy at https://www.deserve.com/privacy-policy/ 

Deserve connects to your bank account using Plaid (used by millions of users everyday via Venmo, Acorns & Stripe). They do not save your login credentials or access your account for anything else.

View Plaid FAQs: https://support.plaid.com/customer/en/portal/articles/2571700-product-faqs
View Plaid Privacy Policy: https://plaid.com/legal/

I submitted my application but did not add my bank account

Look for an email from Deserve asking you to add your bank account and click on the link in the email to resume your application. You DO NOT need to re-apply.

  

Back to FAQs

What is Deserve?

Deserve is an analytics-based financial tech company based in Menlo Park, California. Through machine learning and alternative data, Deserve is helping the next generation of credit owners gain financial independence through access to fair credit products.

Deserve has already issued tens of thousands of credit cards to deserving but underserved populations in the US, especially international students from India. Deserve has raised over $45M in equity funding from strategic investors such as student loan giant Sallie Mae corporation and notable VCs such as Accel Partners, Aspect Ventures and Pelion Ventures. It also has secured $50M in debt funding from Keystone National. Deserve is also SOC 2 compliant.

Learn more about Deserve by visiting https://www.deserve.com/about-us/

Back to FAQs

Do I need to provide my SSN to apply for IIT Mastercard?

Deserve recognizes that it takes some time for IITians pursuing higher education in the US to obtain an SSN and does not require them to provide their SSN when applying for the Deserve IIT Edu card. Still, their credit behavior is reported to the credit bureaus from day one thus guaranteeing establishment of a US credit profile. Once they obtain an SSN, they’re encouraged to provide it to Deserve so that it can be associated with their already established credit profile.

For those with no credit history or credit score at the time of application, you will get a credit score within 3 months of providing your SSN to Deserve.

For IITians with established credit history applying for the Deserve IIT Pro card, an SSN is required – similar to how it is required while applying for any other line of credit.

  

Back to FAQs

What is Celtic Bank?

Celtic Bank is a federally insured Utah-chartered industrial bank that offers credit products to businesses and consumers. Celtic Bank offers credit cards to qualified consumers, and Deserve is in the business of marketing and servicing consumer credit cards, such as the Deserve IIT Edu and Deserve IIT Pro cards.

Back to FAQs

 

How long does it take to receive the IIT Mastercard?

Once approved, you should receive the card within 7-10 business days. If you still haven’t received your card, please contact Deserve at [email protected] with subject line RE: MY IIT CARD or call us at 800.316.7258

Back to FAQs

I have a question about my IIT card, who do I contact?

Contact [email protected] for verification as IIT Alumnus. For all inquiries related to your Deserve IIT Mastercard, contact Deserve at [email protected] with subject line RE: MY IIT CARD or call us at 800.316.7258

  

Back to FAQs

How do I access my IIT Mastercard account details?

You can conveniently manage your Deserve IIT Mastercard using our mobile apps available for Apple and Android devices. You may also access your account over the web.

  

Back to FAQs

Does my IIT card come with ID theft protection?

All Deserve IIT cards come with Mastercard Platinum benefits which includes ID theft protection. See all the perks your Deserve IIT card comes with: https://www.deserve.com/perks/