Indian Bank Credit Card

Indian Bank credit card

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About Indian Bank Credit Card

Disclaimer: Indian Bank is not a Bajaj Markets partner. Offers would be from partner Banks/NBFCs only

 

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.

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.

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 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 card will be delivered to your address in a few days

Top Indian Bank Credit Cards

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.

1. IB Bharat Credit Card

Key Highlights

 

  • This card is best suited for Domestic usage

  • Annual fee – Nil

  • Provides Insurance cover

  • Monthly rate of Interest is 1.79%

2. IB Gold Credit Card

Key Highlights

 

  • This card is best suited for Global usage

  • Joining fee – Nil

  • You can claim an insurance cover

  • Monthly rate of Interest is 1.99%

3. IB Platinum Credit Card

Key Highlights

 

  • 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%

4. IB VISA Business Credit Card

Key Highlights

 

  • This card is best suited for International usage

  • No joining fees

  • Provides insurance coverage at lucrative rates

  • Monthly rate of Interest is 1.99%

Eligibility Criteria and Documents Required for Indian Bank Credit Card

The Indian Bank credit card eligibility criteria are as follows:

 

  • Salaried as well as self-employed applicants should be minimum 18 years of age and maximum 65 years of age

  • The individual should be a Resident of India

  • The monthly income must be Rs 5,000 or more

  • The applicant should not have defaulted any earlier payments

  • The add-on card holder must be at least 18 years of age

The documents required for an Indian Bank 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 Card Reward Programs

Every Rs. 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 Rs. 500 in rewards.

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 Card is accepted at over 1.5 lakh merchants in India. It is also accepted worldwide by over 30 million merchants that accept VISA. The Bharat card is the only card that is valid only within India.

3. Rewards

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

4. Credit Period

You can enjoy benefits like a 45-day interest-free on all the purchases made during that 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 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.

4. Revolving Credit

It is possible to carry forward the remainder of your 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.

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

  • Twitter Handle: https://twitter.com/MyIndianBank

  • Email Address: feedback_customerservice@indianbank.co.in; creditcard@indianbank.co.in

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

FAQs on Indian Bank Credit Card

  • ✔️How is Interest calculated on an Indian Bank credit card?

    Interest is calculated on the Indian Bank 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 payment is made and compounded on a daily basis.

  • ✔️Is there a joining fee to get Indian Bank credit cards?

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

  • ✔️Can foreign nationals apply for an Indian Bank credit card?

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

  • ✔️Do I need to be an existing customer of Indian Bank to apply for an Indian Bank credit card?

    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.

  • ✔️What is the date on which the Indian Bank credit card bill will be generated?

    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.

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

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

  • ✔️Does the Indian Bank provide credit cards?

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

  • ✔️Which Indian Bank credit card is best?

    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.

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

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