IB RuPay Platinum Credit Card

The Indian Bank RuPay Platinum Credit Card is designed to offer customers both ease of use and smart savings on everyday expenses. This credit card is powered by the RuPay network and comes with various benefits such as complimentary lounge access, an EMI facility, add-on card options, and reward points on eligible transactions. 

You can apply for this credit card conveniently through the Indian Bank’s official website or by visiting your nearest branch. The card comes with no joining fee and a nominal annual fee of Rs.250 from the second year onwards.

Features and Benefits of IB RuPay Platinum Credit Card

The features and benefits of the IB RuPay Platinum Credit Card are as listed below: 

  1. Revolving Credit Facility: The Indian Bank RuPay Platinum credit card provides its customers with the revolving credit facility of Rs.25,000 up to Rs.1.90 lakh 
  1. EMI Facility: This credit card also allows you to easily convert your purchases into easy EMIs. 
  1. Add-on Cards: You also get up to four add-on credit cards with this card variant. 
  1. Reward Points: For every Rs.100 spent using this credit card, you earn one reward point. 
  1. Lounge Access Benefit: You also get lounge access benefits with this credit card.

Documents Required to Apply for IB RuPay Platinum Credit Card

The documents required to apply for IB RuPay Platinum Credit Card are as listed below: 

Proof of Identity

  1. Passport 
  1. PAN Card 
  1. Aadhaar Card 
  1. Any other government-issued ID 

Proof of Address

  1. PAN Card 
  1. Aadhaar Card 
  1. Ration Card 
  1. Utility Bills or other valid address documents 

Proof of Income

  1. Salary Slips (not more than 3 months old) 
  1. Form 16 
  1. Recent Bank Statements 
  1. ITR 

Photographs 

  1. Multiple recent passport-sized photographs

Note: The documents listed above are in general, and the bank may request additional documents based on your credit card application and internal policies.

Fees and Charges for IB RuPay Platinum Credit Card

The fees and charges for IB RuPay Platinum Credit Card are as listed below:

Category 

Charges 

Joining Fee 

Nil 

Annual Fee 

Nil for First YearRs. 250 second year onwards (Note: Second year fee has a conditional waiver) 

Rate of Interest Charged on Outstanding Balance 

1.66% per month 

Minimum Amount Due 

5% of the outstanding balance 

Cash Limit 

40% of the allowed credit limit 

How to Apply for IB RuPay Platinum Credit Card Online

Follow the steps given below to apply for IB RuPay Select credit card online: 

Step 1: You will have to visit the official Indian Bank website. 

Step 2: Navigate to the ‘Credit Cards’ section. 

Step 3: Find the credit card you wish to apply for from the list of credit cards offered by the Indian Bank. 

Step 4: Click on the ‘Apply Now’ option present on the screen. 

Step 5: Fill out the application form and complete the process. 

Step 6: You will have to submit the requested documents. 

Step 7: You will receive your credit card kit at the registered address once the application is successfully processed.

How to Apply for IB RuPay Platinum Credit Card Offline

Follow the steps given below to apply for an IB RuPay Select credit card offline: 

Step 1: You will have to visit the nearest Indian Bank branch. 

Step 2: Request the credit card application form from the bank’s relationship manager. 

Step 3: Fill out the application form and submit it along with the required documents. 

Step 4: You will receive your credit card kit at your registered address once your application is successfully processed. 

FAQs on IB RuPay Platinum Credit Card

  • How can I apply for the IB RuPay Platinum Credit Card?

    You can apply for the IB RuPay Platinum credit card by visiting the Indian Bank’s official website or by visiting the nearest bank branch. 

  • Will I have to pay any joining fee for the IB RuPay Platinum Credit Card?

    No, you will not have to pay any joining fees. The Indian Bank is offering RuPay Platinum credit card at a zero joining fee. 

  • How much is the cash limit for the IB RuPay Platinum Credit Card?

    The cash limit for the IB RuPay Platinum credit card is 40% of the allowed credit limit. 

  • Does the IB RuPay Platinum credit card offer any airport lounge access benefits?

    Yes, the IB RuPay Platinum credit card offers airport lounge access benefits to its customers. 

  • Will I get an add-on credit card with the IB RuPay Platinum credit card?

    Yes, you will get up to four add-on cards with the IB RuPay Platinum credit card. 

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