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    Indian Bank Bharat Credit Card

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    Indian Bank Bharat Credit Card

    Indian Bank presents the Bharat Credit Card which caters to a basic income bracket. You can avail of this 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.

    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.

    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.

    Important Fees and Charges:

    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:

    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

    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:

    • A copy of your PAN card or Form 60 and Voter’s ID is mandatory.
    • ID and Age Proof - A copy of any valid Government ID as per KYC norms such as your driver’s licence, passport, or Aadhar card.
    • Address Proof - Any valid Government ID as per KYC norms such as utility bills, ration card, passport, driver’s 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?

      2. 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?

      3. 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?

      4. 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?

      5. 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?

      6. 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 customer service.

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

      7. 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?

      8. 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.

    Other Top Credit Cards by Indian Bank

  • Indian Bank Global Classic Credit Card
  • Indian Bank Global Gold Credit Card
  • Indian Bank Visa Business Credit Card

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    Indian Bank Bharat Credit Card Reviews

    Write a Review
    • Indian Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with Indian Bank. I use platinum card for a very long time. They offered a good credit limit. The customer service and response was excellent. They charge annual fee but it get waived off based on the expenditure. I get sort of discounts.
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      , bangalore
      Reviewed on Feb 06, 2018
    • Indian Bank Credit Card
      "Best of cash back offers "
      0.5 5.0/5 "Blown Away!"
      I get a lot of good deals on the credit card with Indian Bank. There are good cash back offers. Recently I bought a mobile phone and I got a cash back of 8% and I also have a very good credit limit. It is a life time free card and the transactions are always smooth.
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      , saharanpur
      Reviewed on Nov 08, 2017
    • Indian Bank Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      I am using Cash Back credit card for 6months with Indian Bank. I am getting cash back offer. Mostly I use this card for billing and shopping. Annual fee is applicable. The credit limit was satisfactory. 24/7 number is provided but I have not tried. Plus, there are no additional charges on the card.
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      , bangalore
      Reviewed on Oct 27, 2017
    • Indian Bank Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with INDIAN bank 2 years back . I hold their gold card . The credit limit is 1 lakh and Its an international card . The customer service and responses was up to the mark so I would like to rate 5 out of 5 overall. My overall experience was good
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      , mumbai
      Reviewed on Oct 06, 2017
    • Indian Bank Credit Card
      "Slow process"
      0.5 1.0/5 "Really Bad"
      Indian Bank credit card process is very slow, if we payment the payment in their gate way its takes four days to reflect in their system. But SBI and HDFC payment gets updated immediately. To refund any amount they take long duration like seven days.
      Was this review helpful? 1

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      , coimbatore
      Reviewed on Oct 03, 2017
    • Indian Bank Credit Card
      "Credit limit & offers are good"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Indian bank and it is nice that all my transactions goes through when ever I use the card. Because I use the card only when needed and it does not disappoint me. The credit limit is good and there are good discounts as well.
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      , chennai
      Reviewed on Aug 30, 2017
    • Indian Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      Though I am not very happy with the debit card of Indian bank. They are doing great on the credit card. I get a lot of reward points on every transaction which I do and I also can redeem my points online as well on shopping . There are discounts offered too based on this credit card.
      Was this review helpful? 1

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      , chennai
      Reviewed on Apr 25, 2017
    • Indian Bank Credit Card
      "Actual Benefit."
      0.5 4.0/5 "Great!"
      Got a Gold Card. International acceptance. Limit amount set on basis of annual income (can be increased if you give FD as lien) No annual fee or other charge (at all). 45 days time - 21st to 20. 1reward point(1rupee) for every 200 Rs. Spent anywhere.( no limitation like dining or movie or travel... Just anywhere literally). Reward point returned as deduction to bill on accumulation of 500. A bit slow on issue of new card. Otherwise best you can get. Great customer service and card control through SmartRemote App.
      Was this review helpful? 0

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      , chandigarh
      Reviewed on Aug 24, 2016
    • Indian Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the Indian Bank and the services were nice with them. I been with them from the last two years of time and the customer service is good with them. Credit limit value is around 15000 Rupees with them.
      Was this review helpful? 1

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      , chennai
      Reviewed on Feb 11, 2016
    • Indian Bank Credit Card
      "Average service "
      0.5 3.0/5 "Satisfactory"
      The service provided by Indian Bank was quite good based on the credit card service.The credit limit offered was less compared with others they have given around 30000Rs as limit.The customer service provided was quite average.I do have a Global card with Indian Bank
      Was this review helpful? 4

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      , chennai
      Reviewed on Jan 23, 2016
    • Indian Bank Credit Card
      "Not bad..."
      0.5 1.0/5 "Really Bad"
      I am using Indian bank credit card. It was my first card and I have taken on 2007. life time free card but credit limit was very less. Initially they offered 12k and they did not increased it till now so, I am not using this card much. It would be great if they speed up their work.
      Was this review helpful? 3

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      , vijayawada
      Reviewed on Jan 18, 2016
    • Indian Bank Credit Card
      "Excellent Services"
      0.5 5.0/5 "Blown Away!"
      I use a credit card with Indian Bank. The services are good from them. When I contact the phone banking they are responsive. They have also offered me One lakh as credit limit. There is a a annual fee which gets waived off if I use my card for a minimum of 75K. There are cash back offers. There is also a reward point system. If I accumulate 500 points. The following month bill I would get a deduction of Rs. 500. There are no EMI options. But they have a option of paying a minimal amount of 10%. The rate of interest is of 9%.
      Was this review helpful? 1

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      , chandigarh
      Reviewed on Dec 21, 2015
    • Indian Bank Credit Card
      "Not bad..."
      0.5 2.0/5 "Expected more"
      I am holding Indian bank global card. I am using this card for the past 1 year. I used to get good benefits from them. I using this card only for bill payment. Credit limit offered by them was lesser and it would be better if they increase the limit. They should provide cash back offer.
      Was this review helpful? 1

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      , thane
      Reviewed on Dec 08, 2015
    • Indian Bank Credit Card
      "Good payment mode "
      0.5 4.0/5 "Great!"
      The service provided by Indian Bank was good.The conversion of EMI option is not available in Indian Bank.I have to pay through the Indian Bank website only for making credit card payment.I will recommend about Indian Bank to others.
      Was this review helpful? 3

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      , chennai
      Reviewed on Nov 14, 2015
    • Indian Bank Credit Card
      "Classic card "
      0.5 4.0/5 "Great!"
      I personally approached INDIAN bank for the credit card before eight months. I got a Global Classic credit card with the credit limit of 15 k. I am using this card for grocery and other Gold purchases. I am also making the credit card payments through online.
      Was this review helpful? 2

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      , vellore
      Reviewed on Oct 15, 2015
    • Indian Bank Credit Card
      "Maximum limit is 25K!"
      0.5 4.0/5 "Great!"
      The maximum credit limit can be availed on Indian bank credit card is 25K. Since 2010 I am having this card with them and the card is easily accessible in all outlets. Transactions are made secure by PIN number. Payment is done automatically by the auto debit option from the IB savings account.
      Was this review helpful? 5

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      , chennai
      Reviewed on Sep 24, 2015
    • Indian Bank Credit Card
      "Best service"
      0.5 4.5/5 "Excellent!"
      I had a very good experience with Indian bank based on the credit card.There executives are really responsive.Since I am working in the same bank its easy for me to block the card in case of mishap.They have offered a credit limit of 25000Rs for this card and they are slow in response being a government bank.
      Was this review helpful? 7

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      , visakhapatnam
      Reviewed on Aug 25, 2015
    • Indian Bank Credit Card
      "Very much flexible"
      0.5 5.0/5 "Blown Away!"
      I am holding a INDIAN Bank credit card. They are very much flexible in terms of customer service. They provide very good bonus points. The best part about them is the payment, just in case if I failed to make the payment they can extend the days to make the payment they wont trouble me by asking for the payment. This card is 7 years old.
      Was this review helpful? 4

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      , vellore
      Reviewed on Aug 06, 2015
    • Indian Bank Credit Card
      "Average "
      0.5 2.0/5 "Expected more"
      I was having a credit card with Indian Bank and I was using it for nearly 10years. I have closed the card as of now because they are not providing increase in the credit limit offered. The customer service provided was good and I use this card mostly for purchases.I donâ??t get any notification or text message from the Bank they will be providing information in statements only.the maximum credit limit they can offer to a customer is 75000 and I was not satisfied with the same.
      Was this review helpful? 13

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      , tirupur
      Reviewed on May 15, 2015
    • Indian Bank Credit Card
      "Very good offer providers!!!"
      0.5 5.0/5 "Blown Away!"
      I am banking with Indian bank for 17 years which is such a long tenure and satisfied with customer service. There is no making charges and no annual charges on Classic credit card. I got it 4 years ago so at that time they provided credit limit of 60,000. Main benefit I would say that we can get 5 add on cards. If customer credit card history is perfect with no any error, Indian bank is offering gift vouchers. Billing cycle is around 45 days, no issues on that but it would be great if they extends to 60 days.
      Was this review helpful? 25

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      , kanchipuram
      Reviewed on Dec 12, 2014
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