IB RuPay Select Credit Card

The RuPay Select credit card offered by Indian Bank is designed to provide convenience to its customers and help them save as they spend. This credit card is backed by RuPay and offers various benefits like complimentary lounge access, EMI facility, add-on credit cards, and reward points.  

You can apply for the Indian Bank RuPay Select credit card through the bank’s official website or by visiting the nearest branch. The Indian Bank offers this credit card at a zero joining fee and nominal annual membership fee of Rs.250 second year onwards. Read on to know more about the IB RuPay Select credit card.

Features and Benefits of IB RuPay Select Credit Card

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

  1. Revolving Credit Facility: The Indian Bank RuPay Select credit card provides its customers with the revolving credit facility of Rs.2 lakh and above. 
  1. EMI Facility: With this credit card, you can easily convert big 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 Select Credit Card 

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

Proof of Identity

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

Proof of Address

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

Proof of Income

  1. Salary Slips (last 3 months) 
  1. Recent Bank Statements 
  1. Form 16 
  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 Select Credit Card 

The fees and charges for IB RuPay Select 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 Select Credit Card Online 

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

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

Step 2: Look for the ‘Credit Cards’ section. 

Step 3: Check the list of credit cards offered by the Indian Bank. 

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

Step 5: Complete the application process for the credit card of your choice. 

Step 6: Upload and submit the requested documents. 

Step 7: Once your application is accepted and processed, you will receive your credit card kit at the registered address.

How to apply for IB RuPay Select Credit Card Offline 

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

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

Step 2: You need to request the bank’s relationship manager for the credit card application form. 

Step 3: Submit the duly filled form along with the required documents. 

Step 4: Once the application is successfully submitted and processed, you will receive your credit card kit at the registered address. 

FAQs on IB RuPay Select Credit Card

  • How much is the joining fee for the IB RuPay Select Credit Card?

    The Indian Bank is offering RuPay Select credit card at a zero joining fee. 

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

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

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

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

  • Will I get any airport lounge access benefits with the IB RuPay Select credit card?

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

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

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

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