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

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    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 Indian Overseas Bank 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
    • 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 credit card which can be any of the following documents
      • Recent telephone bills.
      • Passport.
      • 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 Other Details

    Transaction Limits for IOB Gold Credit Card

    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 /-

    IOB Gold Credit Card Insurance Benefits

    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 -

    FAQs on IOB Gold Credit Card

    1. Will I incur any service charges if I use my card for purchases at fuel stations?

      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.

    2. Can I use my IOB Gold Credit Card overseas?

      Yes, IOB Gold Credit Card is a credit card that is accepted internationally and can be used as a substitute for cheque or cash.

    3. Does my IOB Gold Credit Card have a lifetime validity?

      No, IOB Gold Credit Card is valid for 3 years from the month of issue and must be renewed after that.


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