Indian Bank credit cards
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.
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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