Top Travel Credit Cards for Indian Students in the UK (2025 Edition)

Top Travel Credit Cards for Indian Students in the UK (2025 Edition)

Studying in the UK offers exciting opportunities, but managing finances during international travel can be challenging. Selecting the right travel credit card can help you save on foreign transaction fees, earn rewards, and provide added security.

Why Consider a Travel Credit Card?

Using standard debit cards abroad often incurs foreign conversion and transaction fees, ranging from 2.75% to 2.99%, plus flat charges per use. Specialist travel credit cards can help you avoid these fees and offer additional benefits like cashback and rewards. The Times

Top Travel Credit Cards for 2025

1. Barclaycard Rewards Credit Card

  • Foreign Transaction Fees: None
  • Cash Withdrawal Fees: None
  • Annual Fee: £0
  • APR: 28.9%
  • Perks: 0.25% cashback on eligible purchases.
    Wise.com

2. Halifax Clarity Credit Card

  • Foreign Transaction Fees: None
  • Cash Withdrawal Fees: None (interest applies immediately)
  • Annual Fee: £0
  • APR: Variable
  • Perks: Widely accepted globally.

3. Santander All in One Credit Card

  • Foreign Transaction Fees: None
  • Cash Withdrawal Fees: 3% (min £3)
  • Annual Fee: £3/month
  • APR: 29.8%
  • Perks: 0.5% cashback on all purchases.

4. NatWest Travel Reward Credit Card

  • Foreign Transaction Fees: None
  • Cash Withdrawal Fees: 3% (min £3)
  • Annual Fee: £0
  • APR: 27.9%
  • Perks: 1% cashback on overseas spending.
    Thesun.co.uk

5. Virgin Atlantic Reward Credit Card

  • Foreign Transaction Fees: Standard fees apply
  • Cash Withdrawal Fees: Standard fees apply
  • Annual Fee: £0
  • APR: 26.6%
  • Perks: Earn Virgin Points on purchases; bonus points for initial spending.

🎓 Tips for Indian Students

  • Eligibility: Ensure you meet the eligibility criteria, which may include a UK address and credit history.
  • Credit Building: Using a credit card responsibly can help build your credit score in the UK.
  • Budgeting: Set a budget to avoid overspending and accumulating debt.
  • Repayment: Always aim to pay off your balance in full each month to avoid interest charges.
    CN Traveller

Selecting the right travel credit card can enhance your financial experience while studying in the UK. Consider your spending habits, eligibility, and the benefits each card offers to make an informed decision.

Learn more in our article on Banking Essentials

Top 10 Scholarships for Indian Students in the UK (2026 Edition)

Top 10 Scholarships for Indian Students in the UK (2026 Edition)

Your ultimate funding guide for studying abroad, desi-style | ScottishIndian.com

Looking for scholarships for Indian students in the UK? You’re in the right place. At ScottishIndian.com, we understand that pursuing higher education abroad is a dream for many, but it comes with financial challenges. That’s why we’ve curated this ultimate guide featuring the top 10 scholarships for Indian students in the UK in 2026. From government-funded awards to university-specific programs, this blog will help you get the support you need to fund your study abroad journey.

For more information on preparing for your move, check out our guide on Pre-Departure Checklist for Indian Students.

🌟 1. Chevening Scholarships

  • Who’s it for? Outstanding Indian students pursuing a one-year master’s degree.
  • Covers: Tuition, living costs, flights, and more.
  • Application Timeline:
    • Opens: August 2025
    • Deadline: 5 November 2025 at 12:00 GMT
  • More Info: chevening.org

🌍 2. Commonwealth Master’s Scholarships

  • Who’s it for? Postgraduates from Commonwealth nations, including India.
  • Covers: Full tuition, airfare, and a monthly stipend.
  • Application Timeline:
    • Opens: September 2025
    • Deadline: 15 October 2025 at 16:00 BST
  • More Info: study-uk.britishcouncil.org

🎨 3. Charles Wallace India Trust Scholarships (CWIT)

  • Who’s it for? Indian mid-career professionals in arts, heritage, or humanities.
  • Covers: Living costs, tuition, accommodation, and visa.
  • Application Timeline:
    • Opens: January 2026
    • Deadline: 28 February 2026
  • More Info: charleswallaceindiatrust.com

🏛️ 4. Rhodes Scholarship (University of Oxford)

  • Who’s it for? Exceptionally students with leadership potential.
  • Covers: Full expenses plus a generous stipend.
  • Application Timeline:
    • Opens: 2 June 2025
    • Deadline: 23 July 2025 at 23:59 IST
  • More Info: rhodeshouse.ox.ac.uk

💼 5. Inlaks Shivdasani Foundation Scholarships

  • Who’s it for? Indian students applying to top UK universities.
  • Covers: Tuition and living allowance (up to $100,000 USD).
  • Fields: Arts, design, humanities, social sciences.
  • Application Timeline:
    • Opens: 1 November 2025
    • Deadline: 22 March 2026
  • More Info: inlaksfoundation.org

🌐 6. GREAT Scholarships – India

  • Who’s it for? Indian students applying for postgraduate courses.
  • Covers: Up to £10,000 towards tuition fees.
  • Participating Universities: Over 40 across the UK.
  • Application Timeline: Varies by institution; typically opens in early 2026.
  • More Info: britishcouncil.in

🧠 7. Gates Cambridge Scholarship

  • Who’s it for? Full-time postgraduate students at the University of Cambridge.
  • Covers: Full cost plus extras like family allowance.
  • Application Timeline:
    • Opens: 4 September 2025
    • Deadline: December 2025 or January 2026 (dependent on course)
  • More Info: gatescambridge.org

🏫 8. University-Specific Scholarships

  • University of Edinburgh Global Scholarships:
  • University of Glasgow International Excellence Award:
    • Application Timeline: Opens March 2026
    • Deadline: 1 May 2026
    • More Info: gla.ac.uk
  • University of Aberdeen South Asia Scholarship:
    • Application Timeline: No separate application required; applies automatically upon admission.
    • More Info: abdn.ac.uk

🏴 9. Saltire Scholarships (Scotland)

  • Who’s it for? Students from India enrolling in Scottish universities.
  • Covers: £8,000 towards tuition fees.
  • Application Timeline: Opens February 2026
  • More Info: scotland.org

🌍 10. Education Future International Scholarship (India)

  • Who’s it for? Self-funded Indian students heading abroad.
  • Covers: Partial funding up to ₹10 lakh.
  • Application Timeline:
    • Opens: 1 September 2025
    • Deadline: Rolling; final results announced around September 2026
  • More Info: education-future.org

Securing a scholarship can significantly ease the financial burden of studying abroad. It’s crucial to start your application process early, keep track of deadlines, and ensure all your documents are in order.

For more tips and guidance on studying in the UK, stay tuned to ScottishIndian.com.

Student-Favourite Indian Restaurants in Edinburgh

Student-Favourite Indian Restaurants in Edinburgh

For Budget Feasts, Desi Comfort, and Exam-Week Survival | Best Indian Restaurants in Edinburgh | ScottishIndian.com

Whether you’re cramming for exams, missing mom’s rajma, or just can’t cook another pot of Maggi — these Indian restaurants have your back.

Kebab Mahal – 7 Nicolson Square, Edinburgh EH8 9BH

Why it is Favourite Indian Restaurant:

  • Right next to the Uni of Edinburgh
  • Affordable, no-frills, spicy comfort food
  • Open late

Lazeez – 191 Dalry Rd, Edinburgh EH11 2EB

Why students love it:

  • Student-friendly prices
  • Big portions, quick service
  • Authentic spice — they don’t water it down

Roti –  42 South Bridge, Edinburgh EH1 1LL

Why students love this Indian Restaurant:

  • Meal boxes with curry + rice /roti = perfect for one
  • Great veggie and vegan options
  • Cosy spot to eat in or take out

Desi Pakwan – 61 Leith Walk, Edinburgh EH6 8LS

Why it is student friendly Indian Restaurant:

  • Proper Punjabi flavours
  • Excellent kebabs and biryanis
  • Good delivery coverage

Mother India’s Café – 3-5 Infirmary St, Edinburgh EH1 1LT

Why students love it:

  • Tapas-style Indian food — try lots, pay little
  • Good for group meals or casual dinner
  • High quality without fancy prices

Bonus Tip from ScottishIndian.com:

If you’re a student in Edinburgh searching for best Indian Restaurants , keep an eye out for:

  • NHS/Student discount days
  • Lunch deals (many places offer curry + naan/rice for under £7)
  • Uber Eats/Deliveroo codes during exam season 🙌
Do Students Working Part-Time Qualify for a Pension in the UK?

Do Students Working Part-Time Qualify for a Pension in the UK?

What Indian Students in the UK Need to Know | ScottishIndian.com

If you’re an international student balancing uni life, part-time shifts, and budgeting in pounds instead of rupees, you’ve probably asked:
“Do I get a pension from my part-time job in the UK?”
Short answer? Yes, maybe — and it’s worth knowing more.

At ScottishIndian.com, we break down everyday UK life for Indian students, professionals, and newcomers — so you can feel confident, empowered, and financially savvy while living abroad. Let’s talk pensions — without the boring bits.

🧐 What’s a Pension, and Why Should Students Care?

In the UK, a pension is a savings pot you (and your employer) contribute to, which you can access when you retire. Think of it as long-term savings — and free money your future self will thank you for.

Even if retirement feels light-years away, getting started early (yes, even as a student) could make a big difference later.

👷🏽‍♀️ Do Part-Time Student Workers Qualify?

Yes, if:

  • You’re over 22 years old
  • You earn more than £10,000/year from one employer
  • You’re working under a contract of employment

This means that if you’re working in retail, hospitality, or as a student ambassador and meet the criteria — your employer must auto-enrol you into a workplace pension scheme.

BUT…

❌ If you’re under 22 or earn less than £10,000/year, your employer isn’t required to auto-enrol you.

👉 HOWEVER — you can ask to join voluntarily, and if you do, your employer still has to contribute to your pension. Many students don’t know this!

💰 How Much Do You & Your Employer Pay?

If you qualify and are enrolled:

  • You’ll contribute 5% of your eligible earnings
  • Your employer contributes 3%

This money goes into a pension fund, which grows over time — and you can track and transfer it later, even if you return to India or move countries.

💡 Should Indian Students Opt In?

That depends on your financial situation and how long you plan to stay in the UK.

Pros:

  • Free employer contributions = more money in your name
  • Grows over time — even if you leave the UK
  • Shows you’re thinking long-term (great for future visa or PR applications!)

Cons:

  • Reduces your take-home pay (though not by much)
  • Might feel irrelevant if you’re only here for a short time

🧠 ScottishIndian Tip: If you plan to stay in the UK after your studies, start your pension early. Even a small pot adds up.

🧾 TL;DR for the Desi Student:

  • Part-time students can qualify for a pension
  • You’re auto-enrolled if over 22 & earning £10,000+/year
  • You can opt in voluntarily if you don’t meet the auto-enrol criteria
  • Your employer still pays a contribution if you join

🧭 Final Word from ScottishIndian.com

Understanding UK pensions is part of building a smart life abroad. Even if you’re just working weekends at Tesco or in a café, learning how pensions work is a level-up for your financial future.

At ScottishIndian.com, we’re here to help Indian students and newcomers in the UK make sense of money, work, and everything in between.

📩 Want help understanding your payslip or pension scheme?
Check out our Finance section for all things desi + money in the UK.

UK-India Trade Deal (May 2025): What’s in It for Indian Students?

UK-India Trade Deal (May 2025): What’s in It for Indian Students?

A Practical Guide from ScottishIndian.com

The UK India Trade Deal 2025 for Indian Students is more than a political headline — it’s a signal of growing cooperation between two global education and tech powerhouses. For thousands of Indian students living in the UK, this agreement could open doors to better job opportunities, smoother career transitions, and everyday financial benefits.

At ScottishIndian.com, we know the challenges and aspirations of studying abroad — so here’s a practical guide on how this India UK FTA 2025 might shape your journey in the UK.

No Direct Changes to Student Visas (Yet)

Let’s start with what hasn’t changed:
The trade agreement doesn’t introduce new rules for student visas or make direct changes to the UK’s points-based immigration system.

So if you’re on a Student visa (Tier 4), or planning to study in the UK, your visa process remains the same — for now.

However, the bigger picture is promising, especially for students who aim to transition into the UK workforce after graduation.

How the UK India Trade Deal 2025 Helps Indian Graduates Find Jobs

More Professional Mobility = Better Job Prospects

One of the key highlights of the deal is a focus on:

  • Facilitating movement of skilled professionals
  • Recognition of qualifications across both countries
  • Simplified work visa pathways for certain sectors

If you’re an Indian student studying fields like:

  • Information Technology
  • Engineering
  • Finance, Business or Law
  • STEM research

…these provisions could indirectly benefit you by making it easier to find UK-based roles after graduation. More Indian qualifications may be recognised by UK employers, and companies may find it easier to sponsor graduates with in-demand skills.

Academic Collaborations & Internships

 UK India Trade Deal 2025 includes support for educational partnerships — which could lead to:

  • Joint research opportunities
  • Student exchange programs
  • University partnerships that bring more internships or project-based learning

These kinds of collaborations often benefit international students through better access to networks, real-world experience, and post-study career growth.

Everyday Benefits: Cheaper Goods, More Options

Another bonus of the UK India Trade Deal 2025 for Indian Students is the reduced cost of everyday essentials:

  • Lower prices on Indian food brands
  • Affordable electronics and clothing
  • Easier import of Indian lifestyle goods

For students managing tight budgets, even small savings on essentials can make a difference.

Final Thoughts from ScottishIndian.com

While the UK–India FTA doesn’t directly impact student visas, it lays the groundwork for a more welcoming environment for Indian graduates who want to build a future in the UK. If you’re pursuing higher education here and planning your next steps, this deal offers positive signals — especially in terms of work opportunities and professional mobility.

At ScottishIndian.com, our mission is to guide Indian newcomers, students, and professionals through every phase of their UK journey — with practical insights and a cultural connection that feels like home.

Ayurveda Desha in UK Health: Balancing Doshas in a Temperate Climate

Ayurveda Desha in UK Health: Balancing Doshas in a Temperate Climate

AI Ayurveda Imma – Your Guide to Ayurvedic Living in the UK | Zen Wellness

Ayurveda, the ancient Indian system of medicine, emphasizes the importance of “Desha,” or geographical location, in influencing health. Desha considers how environmental factors impact our well-being. This article analyses the Ayurvedic concept of Desha, particularly Anupa Desha, and draws comparisons with UK geography, providing practical dietary and lifestyle advice to mitigate Vata imbalance, a common concern in the UK.

Understanding Anupa Ayurveda Desha

Ayurveda describes three main types of Desha:

  • Jangala Desha: Dry land, characterized by fewer trees and water.
  • Anupa Desha: Marshy land, with abundant trees, mountains, and water bodies like rivers and the sea.
  • Sadharana Desha: Normal land, possessing a balance of features.

People inhabiting Anupa Desha are described as having tender bodies and are more prone to Kapha and Vata disorders.

UK Geography and Anupa Desha

🌍 While the UK is not directly referred to as Anupa Desha in Ayurveda, its climate shows close similarities. ❄️💨

🌧️ The UK experiences long winters, extreme cold, persistent winds, heavy rainfall, and damp conditions, making it prone to Kapha and Vata vitiation.

🌊 Coastal proximity, abundant rivers, and historically marshy lands further strengthen this correlation, as moist environments tend to aggravate Kapha, while cold and windy conditions disturb Vata.

Personal Experience: Vata Imbalance high in UK

🌬️ Cold & Windy Climate – The UK’s cold, dry air increases Vata, leading to imbalance. ❄️💨 🍽️ Dietary Habits – Too many raw, dry, processed foods can worsen Vata, lacking warmth and nourishment. 🥗⚡ ⏳ Lifestyle Stressors – Work pressure, financial concerns, irregular routines, and excessive screen time overstimulate Vata. 📱😵‍💫

Many individuals in the UK, including myself, experience symptoms related to Vata aggravation.

Vata-Related Health Concerns

🦴 Musculoskeletal Issues – Joint pain, stiffness, arthritis, and osteoporosis may develop. 🏃‍♂️💢 🧠 Nervous System Disorders – Anxiety, insomnia, headaches, nerve pain, and tremors can arise. 🛌🌡️ 💨 Digestive Problems – Bloating, constipation, and dry colon issues are common signs of imbalance. 🍽️❌ 🩸 Circulatory Issues – Poor circulation, cold hands and feet, and fatigue may manifest. ❄️🩸 🌀 Mental & Emotional Effects – Forgetfulness, feeling scattered, fear, and insecurity can be linked to Vata aggravation. 🤯💭

🔹 Dry skin and premature aging 🧴⌛ 🔹 Tinnitus (ringing in ears) 🔊🎵 🔹 Weight loss when severely aggravated ⚖️💨 🔹 Dry cough and respiratory issues 🌬️🤧

These issues are often exacerbated by the UK’s limited sunlight, especially during the colder months, leading to widespread Vitamin D deficiency disorders.

Ayurveda Desha Approaches to Vata Balance

Ayurveda doesn’t directly mention Vitamin D, but it explains the conditions associated with its deficiency through Vataimbalance and low Ojas (vitality). Here’s a combined approach:

  • 1. Supplements (UK Market):
    • The NHS and Ayurveda recommend Vitamin D supplementation, especially from October to April.
    • Popular options in the UK include Vitabiotics Ultra D3 (1000 IU), BetterYou Vitamin D3 Spray, Holland & Barrett Vitamin D3, and Solgar Vitamin D3 1000-2000 IU.
    • While the NHS recommends 10 mcg/day (400 IU), many safely take up to 1000 IU/day unless otherwise advised.
  • 2. Vitamin D-Rich Foods:
    • While sunlight is limited, certain foods can help:
      • Fortified cereals: Enjoy warm with milk and seeds.
      • Fortified plant milks (Alpro, Oatly, Rude Health): Combine with warming spices.
      • Eggs (yolk): Cook with ghee or olive oil.
      • Fatty fish (salmon, sardines, mackerel): Excellent for joint health.
      • Mushrooms (UV-exposed): Cook with turmeric and ginger.
  • 3. Protein-Rich Foods (Balancing Vata):
    • Include protein sources like pulses (moong dal, toor dal, masoor dal, chickpeas), tofu/tempeh, paneer, Greek yogurt (plain, room temperature), fish, eggs, nuts (almonds), and seeds (pumpkin, flax, sunflower). These are readily available in UK stores like Goldenacre Minimart, Scottish Grocers. Tesco, Asda.
  • 4. Lifestyle Tips for Vata Balance:
    • Sunlight: Get outdoor sunlight between 10 am and 2 pm when available. ☀️
    • Oil Massage (Abhyanga): Perform daily oil massage before bathing to nourish joints and skin. 💆‍♀️
    • Warmth: Wear layered clothes and use heating pads for joints. 🔥
    • Hydration: Stay hydrated with warm water and herbs like ginger or fennel. 🫖
    • Oil Application: Apply oil (sesame or coconut) before bathing, especially for numbness and stiffness. Karpooradi Thailam can also be used.
    • Epsom Salt Baths: At Night Apply oil in Hands and Legsif you are prone to numbness, Soak in warm water with Epsom salt before bed. 🛀
    • Exercise and Yoga: It is very essential to practise exercise and yoga for mobility, as joints and bones tend to get stiff in this climate. Aim for at least daily walking, gym workouts, or activities like Zumba to stay physically active and maintain joint flexibility.

Dietary Recommendations for Vata and Kapha Balance in the UK

To balance Vata and Kapha, focus on incorporating these foods, commonly found in UK markets:

  • Foods to Reduce Vata:
    • Vegetables: Carrots 🥕, sweet potatoes 🍠, beetroot, asparagus, courgette, okra, green beans.
    • Fruits: Ripe berries, peaches 🍑, plums
    • Other: Unsalted butter, ghee-sautéed foods.
  • Foods to Reduce Kapha:
    • Vegetables: Leafy greens (kale) 🥬, broccoli 🥦, cabbage, cauliflower, peppers 🫑.
    • Fruits: Apples 🍎, Pears
    • Spices: Ginger, garlic, and turmeric are beneficial for both Vata and Kapha.
  • General UK Foods that help in Vata and Kapha Balance:
    • Grains: Cooked oats, rice (basmati)
    • Legumes: Lentils, chickpeas
    • Dairy: Warm milk, ghee
    • Nuts and Seeds: Almonds, flaxseeds, sunflower seeds
    • Oils: Olive oil, sesame oil
    • Herbs and Spices: Cinnamon, cardamom, black pepper

Ayurveda’s concept of Desha provides valuable insights into how geographical factors influence health. While the UK differs from the classical Anupa Desha, it shares some characteristics that can predispose individuals to Vata and Kaphaimbalances. By understanding these influences and adopting appropriate dietary and lifestyle practices, including Vitamin D supplementation, a protein-rich diet, and the use of warming, grounding foods and practices, UK residents can promote better health and well-being.

Be slow in choosing, sure in living – Choose Ayurveda.