Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • loading

    Indian Bank Global Gold Credit Card

    1st Year Fee
    Joining Perks
    Response Time Within 30 minutes
    What you'll love
    You'll also love
    Fee Details

    Indian Bank Global Gold Credit Card is Rated as "Great!" by 1 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service




    The Indian Bank Global Gold Card is embedded with privileges and benefits that will make you a happy shopper. Use your credit card to earn rewards and cash back. The card is absolutely free and bears no annual costs, no joining fees and no renewal fees. Get supplementary cards for up to 4 of your family members and let them in on the benefits, too. Each add-on card costs a one-time fee of Rs. 250. Your credit card also protects you in case of unfortunate events with comprehensive insurance coverage. Enjoy being protected against fraudulent products with Purchase Protection. And even more, roll your bill over to the next month at low finance charges of just 1.99% per month.

    Benefits of Indian Bank Global Gold Credit Card:

    • Rewards and Cash back:
    • For every Rs. 100 spent on Indian Bank Global Gold Credit Card, you will earn 50 paisa. Once you have collected Rs. 500 in your rewards account, you can redeem it for cash back.

    • No Annual Fee:
    • There are no annual fees either. Enjoy the benefits of this card without worrying about paying for it every year. Add on cards also bear no annual fees.

    • No Subscription Fee:
    • There is absolutely no fee to become a cardholder. Indian Bank does not have any joining fees. For add on cards, there is a one-time fee of Rs. 250.

    • Cash Advance:
    • You can withdraw cash when you need it from any Indian Bank ATM. You can also make withdrawals at over 800,000 VISA ATMs worldwide including 5,500 VISA ATMs in India. Get upto 40% of your credit limit in cash. This is subject to a maximum of Rs. 25,000 per day.

    • Purchase Protection:
    • Purchase Protection secures you against purchases you make on your Indian Bank Global Gold Credit Card that turn out to be damaged, duplicate or fraudulent. The bank will not charge it to your credit card if you report this and can support your claim.

    • Comprehensive Insurance:
    • With your Indian Bank Global Credit Card, you will receive complimentary insurance that covers you in case of death by accident, hospitalisation resulting from accident, lost luggage and more.

    Features of Indian Bank Global Gold Credit Card:

    • High credit Limits:
    • The credit limits available on the Global Gold Card range between Rs. 75,001 and Rs. 3 lakhs.

    • Globally accepted:
    • The Indian Bank Global Gold Card is accepted at over 1.5 lakh merchants in India. It is also accepted worldwide at over 30 million merchants which accept VISA.

    • Interest-free credit:
    • Buy now and pay later when you shop with your Indian Bank Global Gold 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 reset the interest-free cycle.

    • Low Finance Charges:
    • Finance charges are as low as 1.99% per month on your outstanding balance. Interest is calculated provisionally from the date of transaction upto the due date. Once you make the payment, the interest will be refunded to you.

    • Add on cards:
    • Share the privileges and benefits of this card with your family members. You can apply for 4 supplementary cards. The first add-one card member will receive insurance cover. All add-on cards cost Rs. 250, which is a one-time fee.

    Important Fees and Charges:

    Charge Amount
    Annual Fee Nil
    Joining Fee Nil
    Add on Card One-time fee of Rs. 250.
    Interest on revolving credit 1.99% per month (23.88% per annum).
    Minimum due 5% of the amount billed.

    Related Fees and Charges:

    Charge Amount
    Late Payment Penalty Rs. 250
    Cash advance limit Up to 40% of the credit limit, subject to a maximum of Rs. 25,000 per day
    Cash advance transaction charge

    Indian Bank ATM - Nil

    Other domestic Bank’s ATM - Rs. 50

    International ATM - Rs. 250

    Finance Charges on Cash withdrawal 2.25% per month from the date of transaction. (27% per annum)
    Balance Enquiry

    Domestic ATM - Rs. 35

    International ATM - Rs. 50

    Limit Enhancement Rs. 100
    Over limit charges 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.
    Cheque return Rs. 250
    Card re-issue Rs. 100
    PIN Mailer re-issue Rs. 50
    Chargeslip retrieval Rs. 125 per slip
    Statement retrieval Rs. 100 per statement
    Foreign Currency Transaction fee 3% markup
    Service Tax 14.50%

    Comprehensive Insurance:

    Insurance Coverage Amount
    Death due to air accident Rs. 5 lakhs
    Death due to any other accident Rs. 2 lakh
    Death of first add-on cardholder due to any other accident Rs. 1 lakh
    Hospitalisation cover due to accident for up to 65 years of age Rs. 1 lakh
    Hospitalisation cover due to accident for 66 years to 80 years of age Rs. 50,000
    Credit shield on death Rs. 25,000
    Baggage Cover Rs. 10,000
    Purchase Protection Rs. 25,000

    Eligibility Criteria:

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

    • The minimum age limit is 18 years old.
    • The maximum age bar is 80 years.
    • The card is available to Indian nationals and NRIs.
    • Minimum income required is Rs. 12,500.

    Documents Required for Indian Bank Global Gold Credit Card:

    • A copy of your PAN card - You are required to submit your PAN card details to avail of this credit card.
    • ID and Age Proof - A copy of your driver’s licence, passport, Aadhar card, Voter’s ID, or any other valid Government ID as per KYC norms.
    • Address Proof - A copy of your passport, driver’s licence, utility bills, Aadhar card, Voter’s ID, or any other valid Government ID as per KYC norms.
    • 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 Global Gold Credit Card FAQs:

    1. What is the minimum amount due on my Indian Bank Global Gold Credit Card?
    2. The minimum amount due is 5% of your total bill. You must pay this amount without fail by the payment due date to avoid any penalties and other charges.

    3. For how long can I pay only the minimum amount due?
    4. You can continue to pay the minimum amount due till you clear your bill. If you choose to pay only the minimum amount due every month, it will take you years to clear your bill. Note that for a Rs. 5,000 bill, it will take you more than 6 years to clear it if you pay only the minimum amount due. This is because the interest accumulating on your bill will cause you to clear a very negligible amount.

    5. What is the billing cycle for the Indian Bank Global Gold card?
    6. The billing cycle is set as the 20th of each month. Your statement will be sent to you through courier or Post. If you do not receive the statement within 7 days, you should report it to the customer care to get the billing information. Payment dues are usually set as 15 days from the date on the statement.

    7. How many transactions can I carry out with my Indian Bank Global Gold Credit Card?
    8. No, there is no restriction to the number of transactions you can perform with your Indian Bank Global Gold Credit Card. The only limits are your credit limit and your cash advance limit.

    9. What is the procedure in case of lost credit card?
    10. If you have lost your card, you must report it to the Credit Card Centre immediately. The card will be blocked immediately to protect you from fraudulent activity. In case you suspect that your card has been stolen or there is any misuse of your card, you need to file a complaint with the police authorities. A copy of the FIR must be submitted to the Credit Card Centre.

    11. What are the consequences of defaulting on my credit card?
    12. Failure to pay the minimum due by the payment date will attract a fine of Rs. 250. Indian Bank will also reduce the credit limit on your card by 25%. To restore your limit, the payment must be made including the penalty. If you fail to pay any dues for two consecutive months, an additional charge of Rs. 500 will be levied and the card will be blocked. If you do not make any payments for three months, the Bank will mark you as a defaulter. Banks have the right to impose legal action to recover the debt.


    Compare, check your eligibility and apply for credit cards online.

    Indian Bank Global Gold Credit Card Reviews

    Common Loader Icon
    reTH65gcmBgCJ7k - pingdom check string.
    reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.