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    IOB Gold Credit Card

    Step into a brand new universe of exclusive privileges and purchase convenience with the IOB Gold Credit Card. A premium credit card offering from the Indian Overseas Bank, IOB Gold Credit Card is tailor-made for the elite and duly caters to their banking needs. This credit card comes with an exciting selection of features, IOB Gold Credit Card is the best choice for people who love to shop, travel and enjoy life. IOB Gold Credit Card will complement the cardholder’s lifestyle by offering an array of premium advantages including reward points, high credit limit, affordable interest and global acceptance.

    Features and Benefits of IOB Gold Credit Card:

    The features and benefits that accompany IOB Gold Credit Card makes it one of the most sought after credit cards in the market.

    • Rewards Scheme:
    • Cardholders are offered exciting reward points for every online and Point of Sale transactions that they make using IOB Gold Credit Card.

    • Global Acceptance:
    • IOB Classic Credit Card is accepted globally and recognized all around the world. This credit card can be used at over 6.5 lakh outlets in the country.

    • Hassle Free Payments:
    • IOB Gold Credit Cardholders can make payments of credit cards through IOB Net Banking portal from the comfort of their home.

    • Supplementary Cards:
    • Introduce a whole new world of enviable offers and exclusive privileges by getting them an add-on card. Cardholders can get up to four supplementary cards for their family members.

    • Flexible Payment:
    • IOB Gold Credit Cardholders can enjoy the benefit of flexible payment. A cardholder only has to pay the minimum due amount instead of the total due amount if he makes use of this feature.

    • Quick Cash Withdrawal:
    • Cardholders can use their IOB Gold Credit Card to withdraw money from ATMs across the country and can also use it for PoS transactions.

    Fees and Charges for IOB Gold Credit Card:

    The fees and charges for services related to IOB Gold Credit Card is as follows.

    Services Fees & Charges
    Card limit Rs. 60, 000 to Rs. 5, 00,000
    Photo Card Rs. 100 /-
    Charges for issuance of Card No Charges (non-photo card)
    Hot listing fee No charges
    Annual maintenance charges No charges
    Duplicate statement copy Rs. 50 /-
    Late Payment Fee Rs. 100 /-
    Cash advance fee Rs. 22. 50 per Rs. 1000 /- or part thereof
    Charge slip copy Rs. 100 /-
    Replacement/Re-issue of Lost/Damaged Credit Cards Rs. 100 /-
    Cash advance Interest 24% (Annualized) from the date of the withdrawal till settlement date
    Secured Online Transactions Verified By Visa (VBV)
    Foreign Currency transactions 2.5 % on the transaction value
    Interest on Roll over credit 24 % (annualized)
    Charges for Cash Withdrawal from other Bank’s ATMs(VISA)

    Rs. 100 /- per withdrawal

    Rs. 20 /- per balance enquiry

    Eligibility for IOB Gold Credit Card:

    The eligibility criteria for IOB Gold Credit Card is as follows.

    • The applicant must be of at least 18 years and must be an Indian resident.
    • The customer must have a steady income source and the same will be verified through the income documents and salary slips.
    • The customer must have a good CIBIL score and must not have defaulted on any payments concerned with IOB or any other bank.

    Documents required:

    The applicant has to submit the following documents to complete the credit card application process.

    • Identity Proof – Applicants of IOB Gold Credit Card must submit an identity proof which can be any of -
      • Driving License copy
      • Voter’s Identity Card copy
      • Aadhaar UID copy
      • PAN Card
      • Passport copy
    • Income Proof – Customers will have to provide the recent Income Tax Return Statements, Form 16 and Salary slips as income proof.
    • Residence Proof – The applicant will have to submit a residence proof while applying for the credit card which can be any of the following documents – recent telephone bills, passport or recent electricity bills.

    Based on your employment type and income source, you might be asked to submit additional documents also. Do enquire with IOB about the list of documents required for your profile before proceeding with the application process.

    IOB Gold Credit Card FAQs:

    1. What are the transaction limits for IOB Gold Credit Card?
    2. The transaction limits for IOB Gold Credit Card is as given below.

      Purchase at Jewellery shops 50 % of Credit Limit
      All transactions 50 % of Credit limit
      Cash Withdrawal 40 % of Credit Limit
      Per day Ceiling Cash through ATM Rs 25, 000 /-
    3. What are the insurance benefits offered with the IOB Gold Credit Card?
    4. The insurance protection offered for IOB Gold credit card holder is as follows.

      Insurance for / Member Primary Cardholder Spouse
      Personal accident insurance covering death due to Air Crash Rs. 10 lacs Rs. 2 lacs
      Personal accident insurance covering death due to road/rail Rs. 2 lacs Rs. 1 lacs
      Baggage Insurance Rs. 0.25 lacs -
      Purchase Protection Rs. 0.25 lacs -
    5. Will I incur any service charges if I use my card for purchases at fuel stations?
    6. Yes, you will incur a nominal service charge if you use your credit card for purchases at certain merchant establishments including Railways and petrol bunks.

    7. Can I use my IOB Gold Credit Card overseas?
    8. Yes, IOB Gold Credit Card is a credit card that is accepted internationally and can be used as a substitute for cheque or cash.

    9. Does my IOB Gold Credit Card have a lifetime validity?
    10. No, IOB Gold Credit Card is valid for 3 years from the month of issue and must be renewed after that.

    Other Top Credit Cards by Indian Overseas Bank

  • IOB Classic Credit Card
  • IOB Gold Credit Card Reviews

    • IOB Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I use the Indian overseas bank Classic credit card for more than a year. The customer support is average with Indian overseas bank credit card department. I can say, I am satisfied with the credit limit. I would say it Indian overseas bank classic credit card is good to use.
      Was this review helpful? 0
      , anand
      Reviewed on Nov 06, 2017
    • IOB Credit Card
      "Good to use"
      0.5 4.5/5 "Excellent!"
      I got a credit card with IOB in my name Devarakonda Suresh. My credit limit was 75k, I would like to enhance the credit limit. The EMI facilities are not available. It is a lifetime free credit card. I am holding it for 5 years. I like the service with HDFC Bank, I may continue in future.
      Was this review helpful? 0
      , dharwad
      Reviewed on Oct 27, 2017
    • IOB Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I use credit card with Indian Overseas Bank for more than 5 years. It is a chargeable card. Credit limit is quite ok and I have no issues with the bank for the credit card. I never charged unnecessarily by the bank at any instance. I do not have any idea about reward points and cash back offers as I did not check about that till date.
      Was this review helpful? 0
      , chennai
      Reviewed on May 29, 2017
    • IOB Credit Card
      "Need to improve"
      0.5 4.0/5 "Great!"
      I am having the credit card with the Indian Overseas Bank. Rate of interest is much higher which is the only drawback and its 16% per month. I am using this card mostly in the train ticket booking and the purchasing in the shopping malls. They are okay with the customer service and I am the employee of them and I can get priority.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 23, 2015
    • IOB Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding a credit card of IOB bank. We have to visit Branch for anything and everything and they have to improvise the service. The annual fee charged by them was rs 100. I am holding this card for more than 2 years. When ever they add annual fee they call up and confirm with me only after which they would add this annual fee on the statement. It is an average card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 04, 2015
    • IOB Credit Card
      "GOOD Card"
      0.5 5.0/5 "Blown Away!"
      No hidden charges, good value but less offers, Overall very good to use and happy to pay. No EMI Feature available, which causes bit unfriendly. Hope they incorporate in feature with emi and co-branded card , which will help in getting more discounts.
      Was this review helpful? 2
      , chennai
      Reviewed on Apr 15, 2015
    • IOB Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      Indian Overseas bank has low processing fee charge for the credit card when compared to other banks. There is no indirect charges and there is no penalty charges when there is a delay in paying the amount. Overall, I have a smooth transaction with Indian overseas bank. Every month I nearly do 25000 to 30000 rs transaction.
      Was this review helpful? 4
      , pondicherry
      Reviewed on Feb 19, 2015
    • IOB Credit Card
      "Excellent customer service!!!!!!!!"
      0.5 5.0/5 "Blown Away!"
      I am very much satisfied to have one visa credit card from indian overseas bank. They dont have any promotional offers. I havent availed the reward points yet . However I am starting to accumulating it. It would be nice if they implement more number of offers to attract the customers.
      Was this review helpful? 3
      , bhubaneshwar
      Reviewed on Nov 08, 2014
    • IOB Credit Card
      "Excellent customer service!!!!!!!!"
      0.5 5.0/5 "Blown Away!"
      I am using one visa credit card from Indian overseas bank for quite some time. Whenever I am doing the bulk transactions they are converting the transactions into EMI with proper intimations. Interest rate was less compared with other banks
      Was this review helpful? 5
      , chennai
      Reviewed on Oct 18, 2014
    • IOB Credit Card
      "Good no issues!!!!!"
      0.5 3.0/5 "Satisfactory"
      I availed premium credit card with Indian Overseas Bank where they are not having any promotional offers . And they really needs to improve on their offline service like statement generation properly. They need to stabilise banking feature. For every 100 Rs 2.25 surcharges has been charged if either petrol has been refilled or any ATM withdrawals
      Was this review helpful? 2
      , hyderabad
      Reviewed on Sep 03, 2014
    • IOB Credit Card
      "Satisfied with Service"
      0.5 5.0/5 "Blown Away!"
      Indian Overseas Bank Platinum Credit Card even delay in payment also their is no charges, as i have my account their its east to pay, credit limit is less, their is no disadvantage, offers are good i use minimum only, EMI options is good, i use to pay my bill before bill through on line its quite easy.
      Was this review helpful? 3
      , chennai
      Reviewed on Aug 19, 2014
    • IOB Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Indian Overseas bank credit card I get lot on benefits when I do on-line shopping and I get lot of reward points on petrol bunks and I am holding this account for the past three years I have never faced any issues, the overall service was excellent.
      Was this review helpful? 5
      , jaipur
      Reviewed on May 21, 2014
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