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.
We found 1 Indian Overseas Bank Credit Card
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Fee Details
- 1st Year - ₹ 0
- 2nd Year Onwards - ₹ 0
Rewards
- -
Documents
- KYC-PAN, Address proof and ID Proof
- One photograph, Salary slip/Form 16
What you'll love
Earn reward points for Point of Sale and E-commerce transactions.
Complimentary personal accident insurance cover up to Rs. 10 lakhs.
Complimentary baggage insurance cover up to Rs. 25,000.
Purchase protection up to Rs. 25,000.
Cash withdrawal up to 40% of the credit limit.
Jewelery shop purchases up to 50% of the credit limit.
Use your card at over 24 million outlets across the world.
Use your card at over 6.5 lakh outlets across India.
Make cash withdrawals with your card.
Up to four add-on cards for your family members and children.
Flexible payment facility.
SMS alerts on your mobile phone.
Easy payments through IOB internet banking.
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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
- 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 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
- 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.
- 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.
- 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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Credit Card Eligibility
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- IndusInd Bank Credit Card Eligibility
- HSBC Credit Card Eligibility
- Kotak Credit Card Eligibility
- Canara Bank Credit Card Eligibility
- Standard Chartered Credit Card Eligibility
- RBL Bank Credit Card Eligibility
- Bank of Baroda Credit Card Eligibility
- Union Bank Credit Card Eligibility
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