Indian Bank
  • Indian Bank 0 / 5.0 from 0 users

Reward Rates:

  • 0

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Rs. 0/-
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Reward Rates:

  • 0.50

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Annual Fee
Rs. 250/-
Annual Rewards
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Reward Rates:

  • 0.50

Introductry Benefits
Rs. /-
Joining Fee
Rs. /-
Annual Fee
Rs. 250/-
Annual Rewards
Rs. /-

Reward Rates:

  • 0.50

Introductry Benefits
Rs. /-
Joining Fee
Rs. /-
Annual Fee
Rs. 250/-
Annual Rewards
Rs. /-

Reward Rates:

  • 0.50

Introductry Benefits
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Joining Fee
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Annual Fee
Rs. 500/-
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Indian Bank Credit Cards

Top Picks

Best For Card Name

Fuel

No specific credit card for fuel.

Travel

No specific credit card for travel.

Family

Indian Bank Platinum Credit Card

Premium

No specific premium card.

Frequent Spenders

No specific card for frequent spenders.

Best Indian Bank Credit Card for Family


  • Annual Fee: Rs. 250
  • Joining Fee: Nil

Benefits

The card comes with zero joining fee and Rs. 250 annual fee. It offers reward value of Rs.1 against each Rs. 200 spend and low APR of 19.92% to 23.88% only. Moreover, you get death insurance cover of upto Rs. 5 Lacs along with travel protection cover of upto Rs.25,000 and credit limit of above Rs. 1 Lac.


Drawbacks

You don't get any welcome benefits on the card, and there's no exclusive reward benefit.


Bottom Line

The card is pretty average on reward value. However, the low APR and interest rate on EMIs are a plus point on the card. It is only good for you if you want simple reward benefits and low charges.


View Other Indian Bank Credit Cards

Indian Bank Bharat Credit Card

It is a domestic card which comes free of cost with APR ranging from 21.48% to 23.88% and credit limit of upto Rs.19,999. Moreover, you don't need to pay any annual charges to maintain the card from 2nd and consecutive years along with death and travel cover.

However, you have to pay 10% of outstanding amount as minimum payment amount as compared to 5% of the outstanding amount on other Indian Bank Credit Cards. Apart from it, the cash advance limit is only 25% of the credit limit as compared to 40% on other Indian Bank Credit Cards.

Indian Bank VISA Business Credit Card

The card comes free for the first year; though, you have to pay Rs. 500 to maintain the card for next years. You earn reward value equal to Rs.1 against each Rs.200 expense on the card. However, the Annual Percentage Rate ranges from 23.88% to 27%.

Indian Bank Global Gold Credit Card

This card comes with Rs. 250 annual fee and offers reward value of Rs. 1 on each eligible transaction. Moreover, it comes with zero annual fee and travel protection cover, and credit limit of upto Rs.99,999. The Annual Percentage Rate ranges from 23.88% to 27%.

Indian Bank Global Classic Credit Card

This card comes with Rs. 250 annual fee and offers reward value of Rs. 1 on each eligible transaction. Moreover, it comes with zero joining fee and death protection cover of upto Rs. 2 Lacs and travel protection cover of upto Rs.10,000 along with credit limit of upto Rs.99,999. The Annual Percentage Rate ranges from 23.88% to 27%.

Eligibility Criteria

  • Primary cardholder should be at least 18 years old.
  • The income criteria for Indian Bank Bharat Credit Card is Rs. 5,000 per month.

Documentation

  • For Salaried:
    • Salary Slip / Certificates
    • Form 16 / 2 Years ITRs with latest Salary slip.
    • KYC Documents
    • 2 Passport Size Photographs
  • For Self-Employed:
    • 2 years I.T.Returns with computation sheets
    • KYC Documents
    • 2 Passport Size Photographs

Indian Bank Credit Card Reward Points – Earn & Burn

Spends Global Classic Card Global Gold Card Bharat Card VISA Business Card Platinum Card

Dining

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

Departmental Stores

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

Grocery Stores

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

Travel

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

Entertainment

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

Utility Bill Payment

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

Fuel

Nil

Nil

N/A

Nil

Nil

Online Shopping

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

Partners

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

International

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

N/A

1 Reward Points on each Rs. 200

1 Reward Points on each Rs. 200

Indian Bank Credit Card Bill Payment

Indian Bank offers different payment methods to its credit cardholders to pay Indian bank credit card bills including online and offline methods so that they can pay their credit card bills on time.

Pay Indian BankCredit Card Bill through Indian Bank Credit Card Net Banking
  • Login to Indian Netbanking services and click on "Credit Card" tab.
  • Select the Credit Card you want to make the payment for and choose "Credit Card Payment".
  • Enter payment amount and confirm.
  • Click on "Pay Now" button and receive acknowledgement on your screen.
Pay Indian Bank Credit Card Bill through NEFT
  • Login your other bank's net banking account and go to Fund Transfer option.
  • Choose "NEFT Fund Transfer" as your payment method and add your Indian Bank Credit Card as payee.
  • To add your card as payee, use the following details.
    • Beneficiary Bank - Indian Bank
    • Beneficiary's Account Number - Your 16-digit credit card number
    • IFSC Code -
    • Payable Amount - XXXX
  • Now, go back to the NEFT payment method and choose your credit card from the beneficiary list.
  • Enter the amount and confirm the payment. Receive the confirmation on your screen.
Pay Indian Bank Credit Card Bill through Standing Instructions
  • Visit your Indian Bank's home branch.
  • Get the Standing instruction form available at the counter and fill it.
  • Submit the form to the bank representative at the counter along with necessary documents.
Pay Indian Bank Credit Card Bill through Cash at the Indian Bank Branch
  • Visit your nearest Indian Bank branch.
  • Fill a cash deposit slip.
  • Enter your Indian Bank Credit Card number in the place of Account Number.
  • Sign the slip and mention your phone number at the back of the slip.
  • Submit the slip to the cash counter.
Pay Indian Bank Credit Card Bill through Cheque/Draft
  • Write a cheque/draft in favour of your Indian Bank Credit Card.
  • Sign the cheque and mention your phone number at the back of the cheque/draft.
  • Drop the cheque into the dropbox available at your nearest Indian Bank Branch or ATM.
Pay Indian Bank Credit Card Bill through at Indian Bank ATMs
  • Visit your nearest Indian Bank ATM and insert your Indian bank debit card in the ATM machine
  • Choose your preferred language.
  • Select "Bill Payment" option.
  • Enter your Indian Bank Credit Card number in place of recipient Account Number and enter the amount.
  • Confirm the payment by entering your debit card pin and collect the receipt.

Indian Bank Credit Cards – Fees & Charges

Global Classic Card Global Gold Card Bharat Card VISA Business Card Platinum Card

Finance Charges

1.99% per month

2.25% per month on Cash Advance

1.99% per month

2.25% per month on Cash Advance

1.79% per month

1.99% per month on Cash Advance

1.99% per month

2.25% per month on Cash Advance

1.66% per month

2.25% per month on Cash Advance

Cash advance fee

Zero on Indian Bank ATMs.


Rs. 50 on Other Bank's ATMs.

Zero on Indian Bank ATMs.


Rs. 50 on Other Bank's ATMs.


Rs. 250 on international ATMs.

Zero on Indian Bank ATMs.


Rs. 50 on Other Bank's ATMs.

Zero on Indian Bank ATMs.


Rs. 50 on Other Bank's ATMs.


Rs. 250 on international ATMs.

Zero on Indian Bank ATMs.


Rs. 50 on Other Bank's ATMs.


Rs. 250 on international ATMs.

Annual fee

Rs. 250

Rs. 250

NIL

Rs. 500

Rs. 250

Other Charges

Charges Amount

Add-on Card fee

Rs. 250 for Gold Card

Rs. 100 for Classic

Foreign transaction fee

3% on international transaction in INR

Late Fee

Rs. 250 if due for first time.

Rs. 500 if due for two consecutive months.

For Gold and Classic Card


Rs. 250

For VISA Business Card


Rs. 50

For Bharat Card

Minimum Payment

10% of the outstanding amount

For Bharat Card


5% of the outstanding amount

For Other Cards

Overlimit Charges

Rs. 25

For Bharat Card


Rs. 50

For Other Cards

Returned payment fee

Rs. 250 per instance

Card Replacement Charges

Rs. 250

For VISA Business Card


Rs. 100

For Other Cards

EMI Conversion Charges

1.4% per month

For Platinum Card


1.5% per month

For Other Cards


Not Applicable

For Bharat and Business Cards

How To Apply for Indian Bank Credit Card?

  • Select an Indian Bank Credit Card as per your preferences from above.
  • Click on "Apply Now" and fill the Online Application Form. You'll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Once the application form is submitted successfully, you will receive a confirmation from Indian Bank.

Note: If your application got rejected, you would be able to apply after 3 months of your previous application.

FAQs

How do I contact Indian Bank Credit Card Customer Support?

You can contact Indian Bank customer care on their contact numbers (Toll-Free) and 044-2522-0903 / 044-25220904 (Charges Applicable). Apart from it, you can also contact Indian Bank on their Customer Care Email address [email protected]. Or, you can even write them at their postal address – Indian Bank Credit Card Centre, No.66, III Floor, Rajaji Salai, Chennai - 600001

How do I hotlist my Indian Bank Credit Card?

You can hotlist your Indian Bank Credit Card by calling Indian Bank Customer Care at their Credit Card Hotlisting number 1800-4250-0000. Or, you can block the credit card by sending "BLOCKCC" to 56767 to immediately block the card.

What is the minimum requirement for Indian Bank Bharat credit card?

The minimum income requirement for this particular card is Rs. 5,000 per month along with a revolving credit of up to Rs. 20,000.

What are the other benefits of Indian Bank Bharat credit card?
  • You are offered Purchase Protection cover worth Rs. 10,000 along with Credit Shield cover worth Rs. 10,000 on death.
  • There is personal accident cover worth Rs. 1 lakh for death owing to air accident, Rs. 50,000 for non-air accident are complimentary, and there are no extra charges.
  • In addition, this card also offers hospitalisation cover of Rs. 50,000 if you get hospitalized owing to an accident.
What I should know about Indian Bank Global Gold credit card?
  • Accidental death cover of up to Rs. 2 Lacs.
  • Cover on lost baggage of up to Rs. 10,000.
  • Air accident death cover of up to Rs. 5 Lacs.
  • Purchase protection cover of up to Rs. 25,000.
  • Accidental death cover of up to Rs. 1 Lac for the first add-on cardholder.
  • Purchase protection cover of up to Rs. 25,000.
  • Hospitalisation cover owing to accident of up to Rs. 1 Lac.