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About Indian Bank Credit Card

Indian Bank is among the largest nationalised banks in India and offers a wide range of credit cards to cater to different needs and financial goals in various categories. Indian Bank Credit Cards offer seamless transactions at minimal interest rates all across the world. Apply for an Indian Bank Credit Card online and get exclusive rewards and benefits like low-interest loans, free insurance cover, and lots more on every transaction.

Top Indian Bank Credit Cards 2023


Indian Bank offers multiple credit cards, giving you a wide range of cards to choose from. Here are the details about the top Indian Bank cards. Knowing the details about the best cards will allow you to make an informed decision.

Indian Bank Credit Cards

Best Suited For 

Key Highlights

IB Bharat Credit Card

  • This card is best suited for Domestic usage

  • Annual fee – Nil

  • Provides Insurance cover

  • Monthly rate of Interest is 1.79%

  • Credit limit of up to 25% for cash withdrawal

IB Gold Credit Card

  • This card is best suited for Global usage

  • Joining fee – Nil

  • You can claim an insurance cover

  • Monthly rate of Interest is 1.99%

  • Credit limit of up to 40% for cash withdrawal

  • On every ₹200 spent, earn 1 reward point 

IB Platinum Credit Card

  • This card is best suited for Domestic as well as Global use

  • Joining fee – Nil

  • Provides insurance coverage at pocket-friendly premiums

  • Monthly rate of Interest is 1.66%

  • On every ₹200 spent, earn 1 reward point 

  • Credit limit of up to 40% for cash withdrawal

IB Business Credit Card

  • This card is best suited for International usage

  • No joining fee

  • Monthly interest rate  of 1.99%

  • Provides insurance coverage at lucrative rates

  • Credit limit of up to 40% for cash withdrawal

  • On every ₹200 spent, earn 1 reward point 

Features and Benefits of Indian Bank Credit Card

1. Annual fees

The Indian Bank Credit Cards do not bear any annual fees, joining fees, or renewal fees.

 2. Worldwide Acceptance

The Indian Bank Credit Cards are accepted across 1.5 lakh merchant stores  in India. These cards are also accepted worldwide by over 30 million traders that accept VISA. The Indian Bank Bharat card is the only credit card by Indian Bank that does not have a worldwide acceptance and is valid only within the borders of India.

3. Rewards

Every Rs. 100 you spend using your Indian Bank Credit Card entitles you to 50 paise in rewards and redeeming your reward points as cashback is possible after you have collected Rs. 500 in rewards.

4. Credit Period

You can enjoy benefits like a 15 to 45-day interest-free credit period with the Indian Bank Credit Card on all the purchases made during that particular period. However, it is advisable to pay your bills in full to continue the interest-free cycle on every purchase.

5. Insurance

You can get a lucrative benefit of free insurance cover with the Indian Bank Credit Card that includes purchase protection as well as life insurance in case of death by air accident or any other accident. It also protects you financially in case you meet with an accident, lose your luggage, etc.

6. Revolving Credit

It is possible to carry forward the remainder of your Indian Bank Credit Card payment at low-interest rates if you only pay the minimum due or make a partial payment. Once the credit card payment is made, the interest will be calculated tentatively and will be refunded.

7. Add-on card benefit

With the Indian Bank Credit Card you can get up to 4 add-on cards in addition to your primary card. This will help you share the benefits of the card with your family as well. 

8. Cash Advance 

The Indian Bank Credit Card allows you to access cash in times of need. You can withdraw from over 800,000 VISA ATMs worldwide and 5,500 VISA ATMs across India. 

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Eligibility Criteria and Documents Required for Indian Bank Credit Card

The Indian Bank Credit Card eligibility criteria is as follows:

Indian Bank Credit Cards

Age Bracket 

Who is eligible 

Minimum Income 

Indian Bank Global Classic Credit Card

18- 80 years 

Indian citizens and NRIs


Indian Bank Global Gold Credit Card

18- 80 years

NRIs and Indian citizens 


Indian Bank Bharat Credit Card 

25- 60 years 

Indian citizens 


Indian Bank VISA Business Credit Card 


Sole proprietary concerns, Limited Companies,Corporates and Partnerships 

Aggregate limits of up to ₹10 Lakhs

1. The documents required for an Indian Bank Credit Card are:

  • Identity Proof - Aadhaar Card/ PAN Card/ Driving Licence/ Voter ID/ Passport

  • Income Proof - Latest salary slips for salaried, Income Tax Return (ITR), bank statement of last 3 months

  • Address Proof – passbook/ utility bills/ passport/ Aadhaar card

  • PAN Card

  • Photograph

Indian Bank Credit Card Reward Programs

Every ₹100 you spend using your Indian Bank Credit Card entitles you to 50 paise in rewards. Redeeming your rewards as cashback is possible after you have collected ₹500 in rewards.

How to Apply for an Indian Bank Credit Card

One can apply for an Indian Bank Credit Card online by heading to the official website as well as offline by visiting the nearest bank branch.

1. Online Method:

  • Step 1: Visit the Indian Bank website.

  • Step 2: Head to the ‘Credit Cards’ section.

  • Step 3: Browse through the Indian Bank cards available.

  • Step 4: Check your eligibility and choose the right credit card for your needs.

  • Step 5: Fill in the application form and submit it online, along with the necessary documents.

  • Step 6: You will receive your Indian Bank Credit Card once your application is approved.


If you prefer to apply for an Indian Bank Credit Card offline, here’s what you need to do.

  • Step 1: Visit the Indian Bank branch that is nearest to you.

  • Step 2: Request a bank representative for a credit card application form.

  • Step 3: Fill in all the details required in the form carefully and accurately.

  • Step 4: Attach the required documents and submit your credit card application form at the bank branch.

  • Step 5: On successful verification, the Indian Bank Credit Card will be delivered to your address in a few days

Indian Bank Credit Card Customer Care

In case you have any queries or concerns regarding your Indian Bank Credit Card, you can contact the Indian Bank Credit Card customer care via various mediums:

  • Toll-free number: 180042500000, 1800 425 4422

  • Corporate Office Contact Number: 04428134300, 044-25279978, 044-25279979

  • Contact for Grievance Department: 044 25220904, 044 25261999

  • Head Office Address:


Indian Bank Corporate Office,


PB No: 5555, 254-260,


Avvai Shanmugam Salai, Royapettah, Chennai – 600 014

  • Facebook ID:

  • Twitter Handle:

  • Email Address:;

  • Instagram Handle:


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.


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FAQs on Indian Bank Credit Card

Interest is calculated on the Indian Bank Credit Card when one makes partial or no payment on their credit card bill. In this case, the interest is calculated from the date of transaction till the day the payment is made and compounded on a daily basis.

No, there is absolutely no joining fee to get a credit card from the Indian Bank.

No, Indian Bank credit cards are available only for Indians and NRIs.

Yes, it is important that the person applying for an Indian bank card is a customer of the bank or has been previously associated with the bank and can easily receive credit from the bank.

As of 20th September 2019, it was declared that the credit card bill will be generated on the 20th day of every month and the due date to make the payment for the credit card bill will be the 4th and 5th day of the succeeding month.

There are two ways to get a credit card from Indian Bank as explained above – online and offline methods.

Yes, Indian bank has multiple credit cards that are made available to customers of eligible age groups.

Each card offered by the Indian Bank has its own set of benefits and perks. The customer can select the best card as per his/her needs and preferences.

With the Indian Bank Platinum card you can get a credit limit of Rs. 1 Lakh or above.

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