Guide for Indian Bank Credit Card

*Disclaimer: Indian Bank is not a Finserv MARKETS partner. Offers would be from partner Banks/NBFCs only

 

Indian Bank was founded on 15th August 1907. Its headquarter is in Chennai, India. Indian Bank is known as a major nationalised bank in India. It is owned by the Ministry of Finance of the Government of India. The bank offers a variety of deposit options to meet the needs of both individuals and businesses. The bank gives an array of goods and services, including loans, debit cards, net banking, and more. Among its other fantastic products, Indian Bank Credit Card also has incredible popularity in the market. Indian Bank Credit Cards are accepted worldwide and cater to a wide range of customer necessities. Additionally, you may get loans at low-interest rates if you have an Indian Bank Credit Card. Moreover, you will also get free insurance with an Indian Bank Card that covers a variety of threats and dangers. 

Indian Bank Credit Card Features and Benefits

Following are the features and benefits of acquiring an Indian Bank Card.

Features

Pre-Approved Cards for Home Loan Borrowers

If you have already taken a home loan from the bank, you will get a pre-approved Indian Bank Card with Rs. 1,00,000 credit limit.

 

Global Acceptance

The Indian Bank Card is accepted by over 30 million merchants worldwide.

 

Interest - Free Period

With an Indian Bank Card, you will have a minimum of 15 days and a maximum of 45 days to pay off your purchases without incurring interest.

 

Complimentary Insurance Coverage

You will obtain complimentary insurance protection with your Indian Bank Credit Card. Accidental death, medical emergencies, lost luggage, purchase protection, and other things are covered by the insurance.

 

Zero Joining fee

You will be saved from paying any joining charge on your Indian Bank Card.

Benefits

  • You will receive four supplementary cards with your Indian Bank Card.

  • You can make a partial payment with a low-interest rate.

  • You are eligible for rewards on every transaction.

  • You will be charged only 2.5% for withdrawing cash from your Indian Bank Card.

Top Indian Bank Credit Card

There are multiple Indian Bank Credit Cards being offered to the customers. Below is the table containing details about a few of them.

Name of the Card

Best Suited For

Highlights

IB Bharat Credit Card

Domestic usage

  • Free for lifetime

  • Insurance Coverage

  • Rate of interest rate is 1.79% monthly

IB Gold Credit Card

Global usage

  • No joining fee

  • Insurance Coverage

  • Rate of interest rate is 1.99% monthly

IB Platinum Credit Card

India and Global usage

  • No joining fee

  • Insurance Coverage

  • Rate of interest rate is 1.66% monthly

IB VISA Business Credit Card

Global usage

  • No joining fee

  • Insurance Coverage

  • Rate of interest rate is 1.99% monthly

Indian Bank Credit Card Eligibility Criteria & Documents Required

To apply for Indian Bank Credit Card, you are required to fulfil the listed eligibility criteria.

  • The minimum age of the applicant must be 18 years.

 

Salaried Individual

Self-Employed Individual

Minimum Age - 18 years

Minimum Age - 18 years

Maximum Age - 65 years

Maximum Age - 65 years

Income - Minimum Rs. 5,000 monthly

Income - Minimum Rs. 5,000 monthly

The add-on card holder must be at least 18 years old.

The add-on card holder must be at least 18 years old.

Required Documents

Salaried Individual

Self-Employed Individual

Identity proof (Aadhaar card, Voter Id card, Driving licence, PAN card)

Identity proof (Aadhaar card, Voter Id card, Driving licence, PAN card)

Address proof (Passbook, Utility bills, Aadhaar card, Passport)

Address proof (Passbook, Utility bills, Aadhaar card, Passport)

Income proof (ITR, Salary slip, Form 16)

Income proof (ITR, Form 16)

Passport size photographs

Passport size photographs

Bank statements of last three months

Bank statements of last three months

Financial statements of previous two years

Financial statements of previous two years

Indian Bank Credit Card Fees & Charges

Below is the detailed information about the applicable fees & charges on Indian Bank Credit Card.

Types of Charges

Amount

Joining fee

NIL

Add-on card

Rs. 100 to Rs. 250

Revolving credit

1.79% to 1.99% monthly

Minimum due fee

5% to 25%

Late payment

Rs. 50 to Rs. 250

Fuel surcharge

2.5%

Over limit fee

Rs. 25 to Rs. 50

Reissuance of card charges

Rs. 100 to Rs. 250

Indian Bank Card Reward Programs

On every transaction with an Indian Bank Credit Card, you can earn rewards of 50 paise for every Rs. 100 spent. Once you have collected Rs. 500 in rewards, you can redeem them as cashback.

Indian Bank Credit Card Customer Care

You can contact the Indian Bank Credit Card Customer Care division using a variety of approaches provided by the bank.

Toll-free

180042500000, 1800 425 4422

Corporate office number

04428134300, 044-25279978, 044-25279979

Grievance department

044 25220904, 044 25261999

Email Id

feedback_customerservice@indianbank.co.in

creditcard@indianbank.co.in

Facebook

https://www.facebook.com/MyIndianBank/

Twitter

https://twitter.com/MyIndianBank

Instagram

https://www.instagram.com/myindianbank/?hl=en

Head office

Indian Bank Corporate Office,

PB No: 5555, 254-260,

Avvai Shanmugam Salai,

Royapettah, Chennai – 600 014

How to Apply for an Indian Bank Credit Card?

You can apply for an Indian Bank Credit Card online and offline.

Online Method

Here are the steps to follow to apply for an Indian Bank Credit Card online.

  • Step 1: To begin, access the Indian Bank Credit Card portal https://www.indianbankcreditcard.in/indbonlineapp/.

  • Step 2: After browsing the page, register with your details.

  • Step 3: Next, fill out the form for Indian Bank Card and submit it along with the supporting documents.

  • Step 4: Following your submission, the bank will do the verification of the provided details.

  • Step 5: Lastly, your Indian Bank Credit Card will be dispatched after verification.

Offline Method

To apply for an Indian Bank Credit Card through the offline process, you are required to visit the nearest branch of the bank. At the bank, fill out the credit card application form and submit it along with the asked documents. Your Indian Bank Card will be dispatched after the verification. 

FAQs on Indian Bank Credit Card

  • ✔️How can I get a credit card from Indian Bank?

    You can acquire an Indian Bank Credit Card by applying online or offline.

  • ✔️Does Indian Bank provide credit cards?

    Yes, the bank offers multiple credit cards to its customers.

  • ✔️Which Indian Bank credit card is best?

    Each Indian Bank Credit Card emanates with a slew of perks and benefits. You can choose based on your needs as well as your income.

  • ✔️What is the credit limit of the Indian Platinum Card?

    You can get the credit limit with the Indian Platinum card of Rs. 1 Lakh or above.

  • ✔️What is the annual fee of an Indian VISA Business Card?

    You are required to pay Rs. 500 as the annual charge for an Indian VISA Business Card.