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credit-cards

Indian Bank credit cards

recurring-deposit-image
Jul 29, 2024
15 Mins

Indian Bank offers a diverse range of credit cards designed to cater to the varied needs and preferences of its customers. Known for their global acceptance and relatively low-interest rates, these credit cards come with a variety of features and benefits tailored to enhance your financial experience. Whether you're looking for rewards, low fees, or comprehensive insurance coverage, Indian Bank has a credit card suited to your needs.

Explore Pre-Approved Credit Card Offers

Discover a range of pre-approved credit cards with just a click. Indian Bank collaborates with leading banks to provide you with an array of options.

Get started now with a completely digital process.

  • Mobile Number: 9XXXXXXXXX

  • Terms of Use: By submitting this form, you agree to our Credit Report Terms of Use and Privacy Policy.

Check Offers Now

Note: Indian Bank is not a partner with Paisabazaar; the credit card offers will come from partner banks and non-banking financial companies (NBFCs) only.

Top Indian Bank Credit Cards for 2024

1. Indian Bank Bharat Credit Card (Visa Classic)

  • Interest Rate: The Indian Bank Bharat Credit Card features a remarkably low finance charge of just 1.79% per month, equating to an annual percentage rate (APR) of 21.48%. This rate is competitive and more affordable compared to many other credit cards available in the market.

  • Credit Limit: This card offers a maximum credit limit of Rs. 19,999, making it suitable for everyday transactions and small purchases.

  • Minimum Payment: If you're unable to pay off the full outstanding balance, you can opt to pay a minimum amount of just 10% of the total due, providing some flexibility.

  • Fees: There is no joining fee or annual fee, making this card a cost-effective choice.

  • Insurance Coverage: Provides significant insurance benefits, including:

    • Rs. 1 Lakh for death due to air accident.

    • Rs. 50,000 for death from other causes.

    • Rs. 50,000 for hospitalization.

    • Rs. 10,000 credit shield in case of death.

    • Rs. 10,000 purchase protection cover.

2. Indian Bank Gold Card / Classic Card

  • Global Acceptance: The Indian Bank Gold and Classic Credit Cards can be used internationally, offering flexibility for global transactions.

  • Credit Limit: The credit limit ranges between Rs. 20,000 and Rs. 99,999, accommodating various spending needs.

  • Interest Rate: With a finance charge of 1.99% per month, this card remains cost-effective while providing excellent features.

  • Rewards Program: Earn 1 reward point worth Re. 1 for every Rs. 200 spent. Accumulate a minimum of 500 points to redeem them against your credit card bill.

  • Insurance Coverage: Offers extensive insurance benefits, including:

    • Rs. 5 Lakh for death due to air accident.

    • Rs. 2 Lakh for death from other causes for the primary cardholder, and Rs. 1 Lakh for add-on cardholders.

    • Up to Rs. 1 Lakh for hospitalization for cardholders under 65 years of age. Those between 66 and 80 years receive Rs. 50,000.

    • Rs. 25,000 credit shield in case of death.

    • Rs. 25,000 purchase protection cover.

    • Rs. 10,000 baggage cover for lost or stolen baggage.

3. Indian Bank Platinum Card

  • Global Acceptance: This card offers worldwide usability, allowing you to make transactions both in India and internationally.

  • Credit Limit: Provides a credit limit of Rs. 1 Lakh or more, offering substantial purchasing power.

  • Interest Rate: Features a low finance charge of 1.66% per month.

  • Rewards Program: Earn 1 point worth Re. 1 for every Rs. 200 spent. Redeem points as statement credit after accumulating at least 500 points.

  • Insurance Coverage: Includes comprehensive insurance benefits:

    • Rs. 5 Lakh for death due to air accident.

    • Rs. 2 Lakh for death from other causes for the primary cardholder, and Rs. 1 Lakh for add-on cardholders.

    • Up to Rs. 1 Lakh for hospitalization for cardholders under 65 years of age. Coverage of Rs. 50,000 is available for those between 66 and 80 years.

    • Rs. 25,000 outstanding amount waiver in case of death.

    • Rs. 25,000 purchase protection cover.

    • Rs. 10,000 lost baggage cover.

4. Indian Bank Visa Business Credit Card (Visa Gold/Platinum)

  • Global Coverage: This card is accepted worldwide, offering flexibility for business transactions.

  • Interest Rate: Charges a finance fee of 1.99% per month.

  • Rewards Program: Earn 1 reward point per Rs. 200 spent, with each point worth Re. 1. Points can be used as statement credit.

  • Annual Fee: The annual fee for this card is Rs. 500.

  • Insurance Coverage: Provides extensive coverage, including:

    • Rs. 5 Lakh for death due to air accident.

    • Rs. 2 Lakh for death from other causes for the primary cardholder, and Rs. 1 Lakh for add-on cardholders.

    • Up to Rs. 1 Lakh for hospitalization for cardholders under 65 years of age. Coverage is Rs. 50,000 for those between 66 and 80 years.

    • Rs. 25,000 credit shield in case of death.

    • Rs. 25,000 purchase protection cover.

    • Rs. 10,000 lost baggage cover.

Indian Bank Credit Card Fees and Charges

The fees and charges for different Indian Bank credit cards are as follows:

  • Joining Fee:

    • Gold/Platinum Card: Nil

    • Classic Card: Nil

    • Bharat Card: Nil

  • Joining Fee for Add-On Card:

    • Gold/Platinum Card: Rs. 100

    • Classic Card: Rs. 100

    • Bharat Card: Rs. 100

  • Cash Advance Fee:

    • Gold/Platinum Card: Rs. 50

    • Classic Card: Rs. 50

    • Bharat Card: Rs. 25

  • Cash Advance Charges:

    • Gold/Platinum Card: 2.25% per month

    • Classic Card: 2.25% per month

    • Bharat Card: 1.99% per month

  • Over Limit Fee:

    • Gold/Platinum Card: Rs. 50

    • Classic Card: Rs. 50

    • Bharat Card: Rs. 25

  • Late Fee:

    • Gold/Platinum Card: Rs. 250

    • Classic Card: Rs. 250

    • Bharat Card: Rs. 50

  • Cheque Return Charges:

    • Gold/Platinum Card: Rs. 250

    • Classic Card: Rs. 250

    • Bharat Card: Rs. 50

  • Limit Enhancement Fee:

    • Gold/Platinum Card: Rs. 100

    • Classic Card: Rs. 100

    • Bharat Card: Rs. 25

  • Foreign Currency Transaction Fee:

    • Gold/Platinum Card: 3.00%

    • Classic Card: 3.00%

    • Bharat Card: N/A

  • Card Reissue Fee:

    • Gold/Platinum Card: Rs. 250

    • Classic Card: Rs. 100

    • Bharat Card: Rs. 100

  • Surcharge:

    • Fuel Purchase: 2.5%

    • Ticket Booking: 1.8%

  • Pin Mailer Reissue:

    • Gold/Platinum Card: Rs. 50

    • Classic Card: Rs. 50

    • Bharat Card: Rs. 25

  • Charge Slip Retrieval Fee:

    • Gold/Platinum Card: Rs. 125 per slip

    • Classic Card: Rs. 125 per slip

    • Bharat Card: Rs. 75 per slip

  • Statement Retrieval Fee:

    • Gold/Platinum Card: Rs. 100 per statement

    • Classic Card: Rs. 100 per statement

    • Bharat Card: Rs. 50 per statement

  • Balance Enquiry through ATM:

    • India: Rs. 35

    • Overseas: Rs. 50

  • Cash Withdrawal:

    • Indian Bank ATMs: Nil

    • Other ATMs in India: Rs. 50

    • Abroad: Rs. 250 for Gold/Platinum Card

  • Auto Debit Facility: Available for all cards upon request.

Indian Bank Credit Card Eligibility and Documentation

To apply for an Indian Bank credit card, you must meet certain eligibility criteria, which may include a minimum credit score, age requirements (typically 18-65 years), and specific income levels. Please note that approval of applications is at the bank’s discretion.

Documents Required:

  • Proof of Identity:

    • PAN Card

    • Aadhaar Card

    • Driver’s License

    • Passport

    • Voter’s ID

    • Overseas Citizen of India Card

    • Person of Indian Origin Card

    • Job Card issued by NREGA

    • Letters issued by

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Want to Achieve any of the below Goals upto 80% faster?Trusted by 3 Crore+ Indians
Dream Home
Dream Wedding
Dream Car
Retirement
1st Crore
credit-cards

Indian Bank credit cards

recurring-deposit-image
Jul 29, 2024
15 Mins

Indian Bank offers a diverse range of credit cards designed to cater to the varied needs and preferences of its customers. Known for their global acceptance and relatively low-interest rates, these credit cards come with a variety of features and benefits tailored to enhance your financial experience. Whether you're looking for rewards, low fees, or comprehensive insurance coverage, Indian Bank has a credit card suited to your needs.

Explore Pre-Approved Credit Card Offers

Discover a range of pre-approved credit cards with just a click. Indian Bank collaborates with leading banks to provide you with an array of options.

Get started now with a completely digital process.

  • Mobile Number: 9XXXXXXXXX

  • Terms of Use: By submitting this form, you agree to our Credit Report Terms of Use and Privacy Policy.

Check Offers Now

Note: Indian Bank is not a partner with Paisabazaar; the credit card offers will come from partner banks and non-banking financial companies (NBFCs) only.

Top Indian Bank Credit Cards for 2024

1. Indian Bank Bharat Credit Card (Visa Classic)

  • Interest Rate: The Indian Bank Bharat Credit Card features a remarkably low finance charge of just 1.79% per month, equating to an annual percentage rate (APR) of 21.48%. This rate is competitive and more affordable compared to many other credit cards available in the market.

  • Credit Limit: This card offers a maximum credit limit of Rs. 19,999, making it suitable for everyday transactions and small purchases.

  • Minimum Payment: If you're unable to pay off the full outstanding balance, you can opt to pay a minimum amount of just 10% of the total due, providing some flexibility.

  • Fees: There is no joining fee or annual fee, making this card a cost-effective choice.

  • Insurance Coverage: Provides significant insurance benefits, including:

    • Rs. 1 Lakh for death due to air accident.

    • Rs. 50,000 for death from other causes.

    • Rs. 50,000 for hospitalization.

    • Rs. 10,000 credit shield in case of death.

    • Rs. 10,000 purchase protection cover.

2. Indian Bank Gold Card / Classic Card

  • Global Acceptance: The Indian Bank Gold and Classic Credit Cards can be used internationally, offering flexibility for global transactions.

  • Credit Limit: The credit limit ranges between Rs. 20,000 and Rs. 99,999, accommodating various spending needs.

  • Interest Rate: With a finance charge of 1.99% per month, this card remains cost-effective while providing excellent features.

  • Rewards Program: Earn 1 reward point worth Re. 1 for every Rs. 200 spent. Accumulate a minimum of 500 points to redeem them against your credit card bill.

  • Insurance Coverage: Offers extensive insurance benefits, including:

    • Rs. 5 Lakh for death due to air accident.

    • Rs. 2 Lakh for death from other causes for the primary cardholder, and Rs. 1 Lakh for add-on cardholders.

    • Up to Rs. 1 Lakh for hospitalization for cardholders under 65 years of age. Those between 66 and 80 years receive Rs. 50,000.

    • Rs. 25,000 credit shield in case of death.

    • Rs. 25,000 purchase protection cover.

    • Rs. 10,000 baggage cover for lost or stolen baggage.

3. Indian Bank Platinum Card

  • Global Acceptance: This card offers worldwide usability, allowing you to make transactions both in India and internationally.

  • Credit Limit: Provides a credit limit of Rs. 1 Lakh or more, offering substantial purchasing power.

  • Interest Rate: Features a low finance charge of 1.66% per month.

  • Rewards Program: Earn 1 point worth Re. 1 for every Rs. 200 spent. Redeem points as statement credit after accumulating at least 500 points.

  • Insurance Coverage: Includes comprehensive insurance benefits:

    • Rs. 5 Lakh for death due to air accident.

    • Rs. 2 Lakh for death from other causes for the primary cardholder, and Rs. 1 Lakh for add-on cardholders.

    • Up to Rs. 1 Lakh for hospitalization for cardholders under 65 years of age. Coverage of Rs. 50,000 is available for those between 66 and 80 years.

    • Rs. 25,000 outstanding amount waiver in case of death.

    • Rs. 25,000 purchase protection cover.

    • Rs. 10,000 lost baggage cover.

4. Indian Bank Visa Business Credit Card (Visa Gold/Platinum)

  • Global Coverage: This card is accepted worldwide, offering flexibility for business transactions.

  • Interest Rate: Charges a finance fee of 1.99% per month.

  • Rewards Program: Earn 1 reward point per Rs. 200 spent, with each point worth Re. 1. Points can be used as statement credit.

  • Annual Fee: The annual fee for this card is Rs. 500.

  • Insurance Coverage: Provides extensive coverage, including:

    • Rs. 5 Lakh for death due to air accident.

    • Rs. 2 Lakh for death from other causes for the primary cardholder, and Rs. 1 Lakh for add-on cardholders.

    • Up to Rs. 1 Lakh for hospitalization for cardholders under 65 years of age. Coverage is Rs. 50,000 for those between 66 and 80 years.

    • Rs. 25,000 credit shield in case of death.

    • Rs. 25,000 purchase protection cover.

    • Rs. 10,000 lost baggage cover.

Indian Bank Credit Card Fees and Charges

The fees and charges for different Indian Bank credit cards are as follows:

  • Joining Fee:

    • Gold/Platinum Card: Nil

    • Classic Card: Nil

    • Bharat Card: Nil

  • Joining Fee for Add-On Card:

    • Gold/Platinum Card: Rs. 100

    • Classic Card: Rs. 100

    • Bharat Card: Rs. 100

  • Cash Advance Fee:

    • Gold/Platinum Card: Rs. 50

    • Classic Card: Rs. 50

    • Bharat Card: Rs. 25

  • Cash Advance Charges:

    • Gold/Platinum Card: 2.25% per month

    • Classic Card: 2.25% per month

    • Bharat Card: 1.99% per month

  • Over Limit Fee:

    • Gold/Platinum Card: Rs. 50

    • Classic Card: Rs. 50

    • Bharat Card: Rs. 25

  • Late Fee:

    • Gold/Platinum Card: Rs. 250

    • Classic Card: Rs. 250

    • Bharat Card: Rs. 50

  • Cheque Return Charges:

    • Gold/Platinum Card: Rs. 250

    • Classic Card: Rs. 250

    • Bharat Card: Rs. 50

  • Limit Enhancement Fee:

    • Gold/Platinum Card: Rs. 100

    • Classic Card: Rs. 100

    • Bharat Card: Rs. 25

  • Foreign Currency Transaction Fee:

    • Gold/Platinum Card: 3.00%

    • Classic Card: 3.00%

    • Bharat Card: N/A

  • Card Reissue Fee:

    • Gold/Platinum Card: Rs. 250

    • Classic Card: Rs. 100

    • Bharat Card: Rs. 100

  • Surcharge:

    • Fuel Purchase: 2.5%

    • Ticket Booking: 1.8%

  • Pin Mailer Reissue:

    • Gold/Platinum Card: Rs. 50

    • Classic Card: Rs. 50

    • Bharat Card: Rs. 25

  • Charge Slip Retrieval Fee:

    • Gold/Platinum Card: Rs. 125 per slip

    • Classic Card: Rs. 125 per slip

    • Bharat Card: Rs. 75 per slip

  • Statement Retrieval Fee:

    • Gold/Platinum Card: Rs. 100 per statement

    • Classic Card: Rs. 100 per statement

    • Bharat Card: Rs. 50 per statement

  • Balance Enquiry through ATM:

    • India: Rs. 35

    • Overseas: Rs. 50

  • Cash Withdrawal:

    • Indian Bank ATMs: Nil

    • Other ATMs in India: Rs. 50

    • Abroad: Rs. 250 for Gold/Platinum Card

  • Auto Debit Facility: Available for all cards upon request.

Indian Bank Credit Card Eligibility and Documentation

To apply for an Indian Bank credit card, you must meet certain eligibility criteria, which may include a minimum credit score, age requirements (typically 18-65 years), and specific income levels. Please note that approval of applications is at the bank’s discretion.

Documents Required:

  • Proof of Identity:

    • PAN Card

    • Aadhaar Card

    • Driver’s License

    • Passport

    • Voter’s ID

    • Overseas Citizen of India Card

    • Person of Indian Origin Card

    • Job Card issued by NREGA

    • Letters issued by

Available on both IOS and AndroidTry Pluto Money Today 👇
Author
Team Pluto
Have a question?
Digital GoldInvest in 24K Gold with Zero making ChargesLearn More
Digital SilverInvest in silver with Zero making ChargesLearn More
Pluto FixedEarn from 11% to 14% Returns annually in a fixed lock-in periodLearn More