If you’re a student or just someone interested in getting your first credit card, you might not have as many options open to you as someone with a more established employment and credit history. For example, you might only work part-time while you’re in school so you won’t meet the minimum income requirements for higher limit credit cards.

Fortunately many credit cards are available for students and other young people looking for their first card. Some will be specifically advertised as a “first” card or student credit card, but others won’t be. You won’t realise they’re a potentially good fit for you until you dig a bit into their terms. Well, we’ve done that for you, and below are five credit card offers that might be a good fit for young cardholders looking for credit cards with lower annual income requirements for approval.

Note though that many cards intended for lower-income cardholders will have higher interest rates to account for a greater perceived credit risk. As you’ll see below though, there are exceptions to the rule. Also note that the rates and fees listed below were accurate as of the time of writing, but this information may change at the discretion of the issuing bank.

1. ANZ First Visa — This is the only card on our list that is specifically marketed to first time cardholders. The card features an 18.99% interest rate, but you can save money as they waive your annual fee for the first year. After that, the annual fee is still modest at just $30. The minimum annual income requirement for this card is $15,000.

2. ANZ Low Rate MasterCard — ANZ does it again with another credit card offer younger cardholders with lower income levels might be eligible for. This no frills card features a low 13.24% interest rate on purchases, but a higher $58 annual fee. There is also a $15,000 annual income requirement for approval on this credit card.

3. Aussie Credit Card — The Aussie MasterCard is one of the best deals available for those looking for a credit card with low annual income requirements. The requirement is just $15,000 for this card, with credit limits also up to $15,000. You can even take advantage of very low introductory rates on purchases and balance transfers — just 2.99%.

4. Citibank Silver Credit Card — This is another one of those higher-interest credit cards often offered to younger cardholders. But it might have other features that appeal to you (and if you pay off your balance in full each month, the interest rate doesn’t matter anyway). You need to earn $20,000 per year to be accepted. The real benefit of this card is that it gives lower-income cardholders access to a rewards programme, letting them earn one reward point for each dollar spent. Most of these cards for younger applicants don’t offer rewards at all.

5. Citibank Clear Credit Card — Like ANZ, Citibank offers multiple credit cards that could be a good match with younger cardholders. This one doesn’t offer a rewards programme like the Citibank Silver card, but it has a lower interest rate (15.49%) and annual fee ($65), and an annual income requirement of $25,000 per year.

While all of these offers might not be right for you depending on where you are in your education or career, these cards offer a better chance for approval for young cardholders than some higher-limit and more perk-filled offers. Just keep in mind that meeting the minimum annual income requirement doesn’t guarantee approval. Credit card companies take other factors into consideration as well such as the length of your employment and any existing or past debt in your credit file.