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    Indian Bank Global Classic Credit Card

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    Indian Bank Global Classic Credit Card

    Indian Bank presents the Global Classic Credit Card which provides a variety of privileges and benefits to its cardholders. Enjoy this card free of cost as there are no joining fees or annual fees. Avail of add on cards for up to 4 of your family members at a one-time charge of Rs. 100. Get free insurance cover against a number of risks for yourself and your first add-on cardholder. The Indian Bank Global Classic Credit Card carries one of the lowest finance charges of 1.99% per month while giving you a credit period of 15 days to 45 days. Make your spends more rewarding as you earn 50 paisa for every Rs. 100 you spend. Accumulate Rs. 500 and collect it in the form of cash back. The card is accepted worldwide at over 30 million merchants and 800,000 VISA ATMs around the world.

    Benefits of Indian Bank Global Classic Credit Card:

    • No Joining Fees:
    • Avail of this card free of cost from Indian Bank. The card bears no fees to become a cardholder. For add on cards, there is a one-time fee of Rs. 100.

    • No Annual Subscription Charges:
    • Indian Bank does not levy any charges annually for card membership. The Global Classic Credit Card is completely free. Add on cards also bear no annual charges except for a one-time fee of Rs. 100.

    • Rewards:
    • Earn 50 paisa for every Rs. 100 spent on your Indian Bank Global Classic Credit Card. You can redeem the rewards in the form of cashback once you have accumulated Rs. 500.

    • Cash Advance:
    • Get upto 40% of your credit limit in cash subject to a maximum of Rs. 25,000 per day. A small fee of Rs. 50 is charged for the cash withdrawal transaction. You can make withdrawals from any Indian Bank ATM or any other of the 5,500 ATMs that accept VISA in India. The card is also accepted at 800,000 VISA ATMs around the world.

    • Insurance Plans:
    • Get comprehensive cover with your Global Classic Card against a variety of risks. The first add on cardholder gets unique coverage.

    • Purchase Protection:
    • You are protected for up to Rs. 10,000 against fraudulent products and related issues. Be safe from unscrupulous sellers when you buy with your Indian Bank Global Classic Credit Card.

    Features of Indian Bank Global Classic Credit Card:

    • Internationally accepted:
    • The Indian Bank Global Classic Card is accepted globally at over 30 million merchants associated with VISA. It is accepted at over 1.5 lakh merchants in India.

    • Interest-free credit:
    • Get between 15 to 45 days interest-free on your purchases. Clear your credit card bills in full every month to carry on this interest-free cycle.

    • Low Finance Charges:
    • Interest is charged at 1.99% per month on your purchases from the date of transaction. Interest is calculated provisionally upto the due date. Based on payment of your dues, the interest will be refunded. You can pay just the minimum 5% of your total bill to avoid any penalties.

    • Add on cards:
    • Avail of up to 4 supplementary cards with your Indian Bank Global Classic Credit Card. Share the benefits and privileges with your family members.

    • Credit Limits:
    • The credit limits available on the Global Classic Card range between Rs. 25,000 and Rs. 75,000.

    Important Fees and Charges:

    Charge Amount
    Joining Fee Nil
    Annual Fee Nil
    Add on Card One-time fee of Rs. 100.
    Interest on revolving credit 1.99% per month (23.88% per annum).
    Minimum due 5% of the billed amount.

    Other Fees and Charges:

    Charge Amount
    Cash advance limit 40% of the credit limit, subject to a maximum of Rs. 25,000 per day
    Finance Charges on Cash withdrawal 2.25% per month (27% per year) from the date of transaction
    Cash advance transaction charge

    Indian Bank ATM - Nil

    Other domestic ATM - Rs. 50

    International ATM - Rs. 250

    Balance Enquiry

    Domestic ATM - Rs. 35

    International ATM - Rs. 50

    Over limit charges Rs. 50
    Limit Enhancement Rs. 100
    Fuel surcharge 2.5 % of the transaction subject to a minimum of Rs. 10.
    Booking Railway ticket charges 1.8% of the transaction amount subject to a minimum of Rs. 10
    Statement retrieval Rs. 100 per statement
    Chargeslip retrieval Rs. 125 per slip
    Cheque return Rs. 250
    Late Payment Rs. 250
    Card re-issue Rs. 100
    PIN Mailer re-issue Rs. 50
    Foreign Currency Transaction 3% markup
    Service Tax Currently charged at 14.50%.

    Comprehensive Insurance Details of Indian Bank Global Classic Credit Card:

    Insurance Coverage Amount
    Death due to air accident Rs. 2 lakhs
    Death due to any other accident Rs. 1 lakh
    Unique cover for first add on cardholder in case of 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 Rs. 25,000
    Baggage Cover Rs. 5,000
    Credit shield on death Rs. 10,000
    Purchase Protection Rs. 10,000

    Eligibility Criteria:

    To successfully apply for an Indian Bank Global Classic Credit Card you need to meet the following criteria.

    • You should be at least 18 years old.
    • You should not exceed 80 years of age.
    • Indian nationals and NRIs are eligible.
    • You should be earning a minimum income of Rs. 12,500.
    • PAN card is mandatory.

    Documents Required:

    • A copy of your PAN card - It is mandatory to provide your PAN card details to avail of this credit card.
    • ID and Age Proof - You could submit a copy of your passport, driver’s licence, voter’s ID, Aadhar card or any other valid Government ID as per KYC norms.
    • Address Proof - You can submit a copy of your utility bills, passport, driver’s licence, voter’s ID, Aadhar card or any other valid Government ID as per KYC norms.
    • Income Proof - If you are a salaried individual, you need to submit your latest payslip or IT proof. If you are self-employed, you need to submit your statement of accounts for the last three months for banks other than Indian Bank. You also need to provide IT returns.

    Indian Bank Global Classic Credit Card FAQs:

    1. Is there a limit to the number of transactions I can perform in a day with my Indian Bank Global Classic Credit Card?
    2. No, there is no restriction to the number of transactions you can carry out in a day with your Indian Bank Global Classic Credit Card.

    3. What happens if I miss a credit card payment?
    4. If you fail to pay the minimum due by the payment due date, you will be imposed with a fine of Rs. 250. Your credit limit will be reduced by 25%. Once you make the payment, the limit will be restored. Failure to pay any dues for two consecutive months will attract an additional charge of Rs. 500 and the card will be blocked. Continued delay for three months will result in you being marked as a defaulter.

    5. What should I do if I lose my credit card?
    6. If you lose your credit card, report it immediately to the Credit Card Centre. You need to file a complaint with the police authorities in case you suspect theft or any misuse of the card. File an FIR and submit a copy to the Credit Card Centre. Upon reporting the card loss, it will be blocked immediately to safeguard you from fraudulent activity.

    7. When is my credit card billed every month?
    8. The billing date is set to be the 20th of every month. The statement will be dispatched via Post or Courier. You should receive your statement within 7 days. If you do not receive it, you should contact customer care immediately to gather the required billing information. Your payment due date will usually be 15 days from the statement date.

    9. What is the minimum amount due?
    10. The minimum amount due is the amount you have to pay to avoid penalties and corrective action. For your Indian Bank Global Classic Credit Card, the minimum due is calculated as 5% of the total bill. Paying only the minimum amount due will stretch your payment over years. For example, if you have billed Rs. 5,000 to your credit card, your minimum due is 5% plus interest. If you continue to pay only this amount, you will take 6 years to clear this bill.

    Other Top Credit Cards by Indian Bank

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  • Indian Bank Global Classic Credit Card Reviews

    • 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.
      Was this review helpful? 0
      , 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.
      Was this review helpful? 0
      , 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
      Was this review helpful? 0
      , 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? 0
      , 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.
      Was this review helpful? 0
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , 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
      , kanchipuram
      Reviewed on Dec 12, 2014
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