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 credit card. |
| Frequent Spenders | No specific credit card for frequent spenders. |
Best Indian Bank Credit Card for Family
| Indian Bank Platinum Card |
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% 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.
Bottomline
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 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
- Passport Size Photographs
- Identity Proof: Aadhaar Card, Voter ID Card, PAN Card,
- Address Proof
- Income Proof
Indian Credit Cards 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 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 Bank Credit 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 banks’ net banking service and go to fund transfer option.
- Choose NEFT Fund Transfer and add your Indian Credit Card as payee. To add your card as payee, use the following details.
- Beneficiary Name – Indian Bank Credit Card
- Bank Name – Indian Bank
- IFSC code –
- Your 16 digit Indian credit card number – XXXXXXXXXXXXXXXX
- Now, go back to NEFT payment option and select your Indian credit card from the payee list.
- Enter the payment amount and confirm the payment.
Pay Indian Bank Credit Card Bill through Standing Instructions
- Visit your Indian Bank’s home branch along with the filled standing instructions form and necessary documents.
- Submit the form to the bank representative at the counter.
Pay Indian Bank Credit Card Bill through Cash at the Indian Branch
- Visit your nearest Indian Bank.
- Fill a cash deposit slip. Enter your Indian 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/draft at the dropbox available at the nearest Indian Branch or ATM.
Pay Indian Bank Credit Card Bill through at Indian Bank ATMs
- Visit your nearest Indian Bank ATM and insert the Indian Debit Card.
- Choose a preferred language.
- Select “Bill Payment” option.
- Enter your Indian credit card details in the recipient.
- Enter the amount and confirm the payment by entering your debit card pin.
Indian Bank Credit Cards – Fees & Charges
| Global Classic Card | Global Gold Card | Bharat Card | Business Card | Platinum Card | |
| Finance Charges | 1.99% per month2.25% per month on Cash Advance | 1.99% per month2.25% per month on Cash Advance | 1.79% per month1.99% per month on Cash Advance | 1.99% per month2.25% per month on Cash Advance | 1.66% per month2.25% 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
| Charge | Amount |
| Add-on Card Fee | Rs. 250For Gold Card Rs. 100For Classic Card |
| Foreign transaction fee | 3% of the transaction value 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. 250For VISA Business Card Rs. 50For Bharat Card |
| Minimum Payment | 10% of the outstanding amountFor Bharat Card 5% of the outstanding amountFor Other Credit Cards |
| Over-limit fee | Rs. 50For Other Credit Card Rs. 25For Bharat Card |
| Returned payment fee | Rs. 250 per instance |
| Card Replacement Charges | Rs. 250For VISA Business Card Rs. 100For Other Credit Card |
| EMI Conversion Charges | 1.4% per monthFor Platinum Card 1.5% per monthFor Other Credit Card Not ApplicableFor Bharat and Business Cards |
| Balance Transfer Charges |
How To Apply for an Indian Credit Card?
- Select a 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 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 creditcard@indianbank.co.in. 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.