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  • Indian Bank Bharat Credit Card

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    Indian Bank presents the Bharat Credit Card which caters to a basic income bracket. You can avail of this Indian Bank credit card if you earn at least Rs. 5,000 per month. This card comes in handy for purchasing things on credit, EMI and more. Buy it now and pay for it up to 45 days later. Credit limits on this card extend up to Rs. 20,000 and is only valid in India. This card is not excluded from comprehensive insurance cover offered by Indian Bank. Cardholders are insured against death by air accident or any other accident. Have peace of mind while you shop as your card carries purchase protection to safeguard you against fraudulent products and services. Earn reward points which you can redeem for cash back. Enjoy all these benefits and more with no joining fee and no annual fees.

    Features of Indian Bank Bharat Credit Card

    • Interest-free credit:

      Buy now and pay later when you shop with your Indian Bank Bharat credit card. Avail of a minimum of 15 days to a maximum of 45 days interest-free credit on your purchases. Pay your bills in full to avail of the interest-free cycle on every purchase.

    • Credit Limits:

      The credit limit available on the Bharat Card ranges between Rs. 10,000 and Rs. 20,000.

    • Low Interest:

      Interest rates on your outstanding balance are as low as 1.99% per month. Interest is calculated provisionally from the date of transaction upto the due date. After paying your credit card bill, the interest will be refunded to you.

    Benefits of Indian Bank Bharat Credit Card

    • Zero Joining Fees:

      This card is free. Indian Bank does not levy any charges on applicants to avail of this credit card.

    • Zero Annual Fees:

      Enjoy the benefits of this credit card at no cost every year. Indian Bank does not charge annual fees on their credit cards.

    • Cash Advance:

      Avail of cash advances with your Bharat Credit card at any Indian Bank ATM. You can withdraw upto 25% of your credit limit. The card is also valid at 5,500 VISA ATMs in India.

    • Rewards and Cash back:

      For every Rs. 100 spent on Indian Bank Bharat Credit Card, you will earn 50 paisa. These points can be redeemed for cash back that will be credited to your account. You need at least Rs. 500 collected to be able to redeem the rewards.

    • Purchase Protection:

      In case you find that any purchase you have charged to your credit card has turned out to be a fraudulent, fake or damaged product, Purchase Protection will safeguard you against these charges for up to Rs. 10,000.

    • Comprehensive Insurance:

      Get complimentary insurance cover with your Indian Bank Bharat Credit Card. The insurance safeguards you in case of hospitalisation resulting from accident, lost luggage and more. It also covers life insurance in case of death by air accident or any other accident.

    Indian Bank Bharat Credit Card Fees and Charges:

    Type of Charge Amount
    Annual Fee Nil
    Joining Fee Nil
    Minimum due 10% of the amount billed.
    Interest on revolving credit 1.79% per month (21.48% per annum).
    Add on Card Not available

    Related Fees and Charges:

    Type of Charge Amount
    Late Payment Penalty Rs. 50
    Cash advance limit Up to 25% of the credit limit
    Cash advance transaction charge

    Indian Bank ATM - Nil

    Other domestic Bank's ATM - Rs. 25

    Interest on Cash withdrawal 1.99% per month from the date of transaction. (23.88% per annum)
    Balance Enquiry Rs. 35
    Card re-issue Rs. 100
    Over limit charges Rs. 25
    Limit Enhancement Rs. 25
    Cheque return Rs. 50
    Booking Railway ticket charges 1.8% of the transaction amount subject to a minimum of Rs. 10
    Fuel surcharge 2.5 % of the transaction subject to a minimum of Rs. 10.
    Chargeslip retrieval Rs. 75 per slip
    Statement retrieval Rs. 50 per statement
    PIN Mailer re-issue Rs. 25
    Service Tax 14.50%
    Foreign Currency Transaction fee Not Applicable

    Comprehensive Insurance:

    Insurance Coverage Amount
    Death due to air accident Rs. 1 lakhs
    Death due to any other accident Rs. 50,000
    Hospitalisation cover due to accident for up to 65 years of age Rs. 50,000
    Hospitalisation cover due to accident for 66 years to 80 years of age Not Applicable
    Credit shield on death Rs. 10,000
    Purchase Protection Rs. 10,000
    Baggage Cover NA

    Indian Bank Bharat Credit Card Eligibility Criteria:

    To be eligible for an Indian Bank Bharat Credit Card you need to meet the following requirements.

    • The minimum age limit is 25 years old.
    • The maximum age bar is 60 years.
    • Indian nationals can apply.
    • Minimum income required is Rs. 5,000.

    Documents Required for Indian Bank Bharat Credit Card

    • A copy of your PAN card or Form 60 and Voter ID is mandatory.
    • ID and Age Proof - A copy of any valid Government ID as per KYC norms such as your driving licence, passport, or Aadhar card.
    • Address Proof - Any valid Government ID as per KYC norms such as utility bills, ration card, passport, driving licence, or Aadhar card.
    • Income Proof - You must need to submit your statement of accounts for the last three months for banks other than Indian Bank. Salaried individuals need to submit the latest payslip or IT proof. Self-employed need to provide IT returns.

    Indian Bank Bharat Credit Card FAQs

    1. How much does the Bharat Credit Card cost?

      This card is free of cost. Indian Bank does not levy any annual fees or joining fees.

    2. Where can I use my Bharat Credit Card?

      The credit card is valid only in India. It can be swiped at over 1.5 lakhs merchant outlets which accept VISA. It can be used for online, teleshopping, IVRS and mail order transactions. The card is also accepted at 5,500 ATMs that have the VISA logo displayed.

    3. What is the minimum amount due on my Indian Bank Bharat Credit Card?

      The minimum amount due is 10% of your total bill. This amount is a compulsory payment which must be made by the due date to avoid any penalties and other charges.

    4. Can I keep paying only the minimum due?

      Yes, you can pay the minimum due for as long as you like. But paying only the minimum due will take you years to complete payment on your bill. For instance, if you have billed a total of Rs. 4,000 to your credit card and you pay only the 10% due on your card every month, you will take close to 3 years or more to clear your bill. Interest will accumulate on your outstanding balance.

    5. When will I receive my bill for Indian Bank Bharat card?

      The bill for your Indian Bank Bharat Credit Card will be generated on the 15th of each month. Your statement will be sent to you via courier or Post. The payment due date will be 15 days from the date on the statement. If you do not receive your statement within 7 days, contact Indian Bank credit card customer service.

    6. How many transactions can I carry out with my Indian Bank Bharat Credit Card?

      With the Indian Bank Bharat Credit Card, you are permitted to carry out 5 transactions in a day. Cash withdrawals are limited to 2 transactions in a day.

    7. What is the procedure in case of lost credit card?

      In the event that you lose your credit card, you can call the customer care helpline immediately and report it. Your card will be blocked and a new one will be issued. In case you suspect your card is stolen, you need to file an FIR with the police and submit a copy to Indian Bank Credit Card Centre.


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