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

    Indian Bank currently offers 3 credit cards for individuals and 1 credit card for businesses. The cards offer typical credit card benefits including cash withdrawal facility, credit card EMI, revolving credit, interest-free credit, low interest rates, reward points, etc.

    No joining fee and less annual fee are two factors that make Indian Bank credit cards affordable.

    Best credit cards offered by Indian Bank 2019

    Listed below are the top credit cards offered by Indian Bank with their key features and benefits.

    Indian Bank Credit Card Variant Annual Fee Key Features
    Indian Bank Bharat Credit Card NIL 25% credit limit for cash withdrawal, ROI @ 1.79% p.m.
    Indian Bank Gold Credit Card Rs.250 40% credit limit for cash withdrawal, ROI @ 1.99% p.m., 1 reward point for every Rs.200 spent, Global acceptance
    Indian Bank Platinum Credit Card Rs.250 40% credit limit for cash withdrawal, ROI @ 1.66% p.m., 1 reward point for every Rs.200, EMI facility, Global acceptance
    Indian Bank Business Credit Card Rs.500 40% credit limit for cash withdrawal, ROI @ 1.99% p.m., 1 reward point for every Rs.200, Global acceptance
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    We found 4 Indian Bank Credit Cards
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    Indian Bank offers credit cards that cater to different needs of its customers. The cards are accepted globally, but there is also one card that is issued only for domestic use. With an Indian Bank credit card, you can enjoy credit at low interest rates. Get up to 45 days free of interest on your purchases. As a cardholder, you receive complimentary insurance that covers a range of threats and danger. Get protection on your life, travels, accidents, hospitalisation and purchases. Spread the joy with your family by availing of up to 4 supplementary credit cards.

    Why Choose an Indian Bank Credit Card?

    High credit limits and interest-free periods coupled with low interest charges are just some of the features of an Indian Bank Credit Card that makes it so appealing. Get a card for personal use and business purposes. Avail of these cards at no cost at all. There are no joining, annual or renewal fees attached to these credit cards.

    Features and Benefits of Indian Bank Credit Card:

    • Zero Annual Fee:

      Indian Bank Credit Cards bear no annual fee or renewal fees.

    • Accepted Worldwide:

      The Indian Bank Credit Card is accepted at over 1.5 lakh merchants in India. It is also accepted worldwide at over 30 million merchants which accept VISA. The Bharat card is the only card that is valid only within India.

    • Rewards and Cash back:

      For every Rs. 100 spent on Indian Bank Credit Card, you will earn 50 paisa. You need to collect at least Rs. 500 to be able to redeem the rewards. The reward points can be redeemed for cash back that will be credited to your bank account.

    • Interest-free credit period:

      Get a minimum of 15 days up to a maximum of 45 days interest-free on your purchases. Pay your bills in full to continue the interest-free cycle on every purchase.

    • Revolving Credit:

      If you choose to pay only the minimum due on your credit card, or make a partial payment, you can carry forward the remainder at low interest charges. The interest is calculated provisionally and will be refunded once you make the credit card payment.

    • Comprehensive Insurance Scheme:

      Receive free insurance cover with your Indian Bank Credit Card. The insurance covers life insurance in case of death by air accident or any other accident. It safeguards you financially in case of hospitalisation resulting from accident, lost luggage and more. The insurance scheme also carries purchase protection.

    • Cash Advance:

      Have access to cash anytime you need it with your Indian Bank Credit Card. Withdraw from over 5,500 VISA ATMs in India and 800,000 VISA ATMs around the world.

    • Add on cards:

      Spread the joy with you family by availing of up to 4 supplementary credit cards.

    Charges and Interest:

    Charge

    Global Classic

    Global Gold

    Bharat Credit

    VISA Business

    Joining Fee

    Nil

    Nil

    Nil

    Nil

    Annual Fee

    Nil

    Nil

    Nil

    Nil

    Add on Card

    One-time fee of Rs. 100.

    One-time fee of Rs. 250.

    Not available

    Not available

    Interest on revolving credit

    1.99% per month (23.88% per annum)

    1.99% per month (23.88% per annum).

    1.79% per month (21.48% per annum).

    1.99% per month (23.88% per annum).

    Minimum due

    5% of the billed amount

    5% of the amount billed.

    10% of the amount billed.

    25% of the transaction amount + charges, subject to a minimum of Rs. 1,000.

    Late Payment

    Rs. 250

    Rs. 250

    Rs. 50

    Rs. 250

    Rewards:

    You are entitled to earn rewards on your purchases made with an Indian Bank Credit Card. For every Rs. 100 spent, you will earn 50 paisa. You can redeem the rewards in the form of cashback once you have accumulated Rs. 500.

    Eligibility:

    To be eligible for an Indian Bank Credit Card you need to meet the following eligibility requirements.

    Particulars

    Global Classic

    Global Gold

    Bharat Credit

    VISA Business

    Minimum age

    18 years

    18 years

    25 years

    NA

    Maximum age

    80 years

    80 years

    60 years

    NA

    Who can apply

    Indian nationals and NRIs

    Indian nationals and NRIs

    Indian nationals

    Corporates, Limited Companies, partnerships and sole proprietary concerns

    Minimum income

    Rs. 12,500

    Rs. 12,500

    Rs. 5,000

    Aggregate limits of Rs. 10 lakhs

    PAN card

    Mandatory

    Mandatory

    Mandatory

    Mandatory

    Documents required:

    To complete the process of your application for an Indian Bank Credit Card, you need to submit the following documentation.

    • ID and Age Proof -

      A copy of your passport, driver’s licence, Voter’s ID, Aadhar card, or any other valid Government ID as per KYC norms.

    • Address Proof -

      A copy of your utility bills, driver’s licence, passport, Voter’s ID, Aadhar card, or any other valid Government ID as per KYC norms.

    • Income Proof -

      Self-employed individuals can submit IT returns. Salaried individuals can submit their latest payslip or IT proof. You must need to submit your statement of accounts for the last three months for banks other than Indian Bank.

    • A copy of your PAN card -

      You are required to submit your PAN card details to avail of a credit card.

    • For the VISA Business card -

      Companies need to submit financial statements for the last two years, a branch recommendation, and a letter to extend the lien on existing securities to cover the proposed business credit card

    List of Indian Bank Credit Cards:

    • Indian Bank Global Classic Credit Card - The Classic Credit Card

      is offered to individuals earning at least Rs. 12,500. Get credit limits that range between Rs. 25,000 and Rs. 75,000. Enjoy global acceptance, complimentary insurance, rewards, cash advance, add-on cards and low finance charges.

    • Indian Bank Global Gold Credit Card - The Gold Credit Card is offered to individuals earning at least Rs. 12,500. Get credit limits that range between Rs. 75,001 and Rs. 3 lakhs. Enjoy high credit limits, low finance charges, complimentary insurance, cash advance, global acceptance, rewards, add-on cards and more.

    • Indian Bank Bharat Credit Card - This card can be availed of only by Indian nationals who are earning at least Rs. 5,000. The credit limits are capped at Rs. 20,000. Bharat card caters to those who need a credit card for smaller value purchases. Interest rates are low and credit periods reach up to 45 days. Free insurance is given with the card.

    • Indian Bank VISA Business Credit Card - These cards can be availed of by corporates, limited Companies, partnerships and sole proprietary concerns. Up to 5 cards can be issued to one unit. Get credit limits that range between Rs. 75,001 and Rs. 3 lakhs. Enjoy Visa Business cards for business purposes that include travel, entertainment, maintenance, repairs and operations.

    Indian Bank Credit Card FAQs:

    1. How is the minimum amount due calculated?

      The minimum amount due is a set percentage of the billed amount that is charged on the payment due date. The minimum amount due for each credit card offered by Indian Bank is listed below.

    2. Card

      Global Classic

      Global Gold

      Bharat Credit

      VISA Business

      Minimum due

      5% of the billed amount

      5% of the amount billed.

      10% of the amount billed.

      25% of the transaction amount + charges, subject to a minimum of Rs. 1,000.

    3. What is the billing cycle for the Indian Bank credit card?

      The billing cycle refers to a particular date of every month that is chosen to be the billing date. Your interest-free period on each purchase will be determined by this date. The table below depicts the billing date for each credit card. The payment date will usually be 15 days after the bill is generated.

    4. Card

      Global Classic

      Global Gold

      Bharat Credit

      VISA Business

      Billing Date

      20th

      20th

      15th

      25th

      Payment Date

      15 days after

      15 days after

      15 days after

      15 days after

    5. Is there are limit on the number of transactions I can carry out?

      There are no limits on the number of transactions you can carry out in a day on your Indian Bank Credit Card. The Bharat Card has a limit of 5 transactions per day and cash withdrawals are limited to two per day.

    6. What is the procedure in case I lose my Indian Bank credit card?

      In case you lose your Indian Bank credit card, report it to the Indian Bank customer care immediately. Your card will be blocked and the bank will issue a new one. If you suspect your card is stolen or there is any misuse of the card, you need to file an FIR with the police and submit a copy to Indian Bank Credit Card Centre.

    7. What happens if I miss making a payment on my Indian Bank credit card?

      If you miss paying the minimum amount due, a penalty will be imposed. Your credit limit will be reduced till you make the payment on your credit card. If you miss making payments on your credit card continuously for two months, then your card will be blocked and an additional fee will be levied. Continued delay for three months will result in you being marked as a defaulter.

    *Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.

      

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    Indian Bank Credit Cards Reviews

    • Indian Bank Credit Card
      "Best Card"
      0.5 5.0/5 "Blown Away!"
      I am a staff of Indian oil, hence I have taken credit card from my bank and also they keep enhancing the limit based on the usage. I took the card before 10 years, I use for the emergency purpose even the bills are clear without any hidden charges .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 26, 2019
    • Indian Bank
      Indian Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold INDIAN BANK as my credit card . They offered 30000 of credit limit and the features is not so good here . Customer service response is not up to the mark . Net banking is user friendly . The process of getting this card was too fine it is average card .
      Was this review helpful? 0
      , pune
      Reviewed on Apr 21, 2019
    • Indian Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using INDIAN BANK credit card . The documentation part was too easy , it did not took much time and i receive my credit card within few days . The credit limit which i got was satisfactory . The experience of this card was good and it is life time free card
      Was this review helpful? 1
      , new delhi
      Reviewed on Apr 11, 2019
    • Indian Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with INDIAN BANK , It is a Lifetime free card. I never had any issues with the card and its features. The whole application process was smooth and hassle free. I am happy about the features. They offered sufficient credit limit and i use this card for everything .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 10, 2019
    • Indian Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have my credit card approved with INDIAN BANK. I'm using this card regularly, not only just points it has got a very good pack of benefits associated with it. So far it has been a very good credit card for all the daily life stuff. It has got a lot of offers and benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 30, 2019
    • Indian Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been more than five years since i am using this credit card, the services which they had provided so far has been pretty good. The credit limit with this card was good and there has been some good benefits which comes with this card as well. I use the card for all my purchases.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 26, 2019
    • Indian Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding INDIAN bank credit card for long time.They have not charged me annual fee in this card,as it is life time free credit card, and i am happy with the credit limit which they have given me in this card,and they use to give good offers in maximum products.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 17, 2019
    • Indian Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Indian Bank credit card from last 2 years, the credit card services are good when compared to other cards. I did not find any offers on this credit card so far. I am happy with the credit limit given in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 28, 2019
    • Indian Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I was using this card for almost two years and i had closed this card since i had taken another credit card, the services of them has been good. There was a good credit limit with the card but there has not been much benefits in holding this card. There was not been any offers available with this card for online purchases, since i was using it just for the offline purchases.
      Was this review helpful? 1
      , chennai
      Reviewed on Jan 23, 2019
    • Indian Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been applied for INDIAN bank credit card for long time, the best part i like in this card is that they provide me quick service comparing to other bank and there is no annual fee they charge me and i am very happy with my credit limits i use this card for multiple purpose.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 27, 2018
    • Indian Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I hold a Indian Credit Card and i am using it for a long time. I hold other bank credit card also but when it comes to Indian Bank there is no Mobile application. Indian Bank should come with Mobile App so that things becomes easy for customer. They should also come with EMI option and the limit which i have on my card is less.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 27, 2018
    • Indian Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using Indian bank credit card, but now i have stop using this card, because of overdue in bills, and there service was good, there credit limit they have given me was less, they have given me up to 30,000 only, i am not happy with there service, and they have given me 12,000 as cash apart from that no offers they have given me.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 10, 2018
    • Indian Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      It is a good card to use where i have been using the credit card with the INDIAN BANK from past few years. The rate of interest is lower when compare ti the others. the credit limit is lower but i ma satisfied with that card. I am getting none of the offers from this card.
      Was this review helpful? 0
      , rajahmundry
      Reviewed on Nov 10, 2018
    • Indian Bank Credit Card
      "Overall no hassles"
      0.5 5.0/5 "Blown Away!"
      I also bank with Indian bank for the credit card and the banking experience is good. The customer support is also good and they are responsive when ever I reach out to them. The transactions are smooth and easy and the statements are sent to me on time.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Aug 14, 2018
    • Indian Bank Credit Card
      "full of satisafactory"
      0.5 4.0/5 "Great!"
      My salary account was taken with INDIAN bank 8years back. The customer service and response is good. Even i am using net banking of INDIAN and i did not face any difficulties related to net banking it is user friendly.Overall my experience is good with INDIAN bank.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 23, 2018
    • Indian Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I had been holding this card from the year of 2008 and the services which they had been providing so far had been good. The services where not as efficient in the beginning but now it has been good and i am happy with the services. The credit limit with the card has been good and the customer support of them also had been good as well. I had been using the card for shopping, jewel and fuel recharges as well.
      Was this review helpful? 2
      , chennai
      Reviewed on Jul 18, 2018
    • Indian Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      It had been a while since i am holding this card and the limit with the card had okay. I had not been using the card much and had just used it one or two times. There has not been that much good offers available with the card. There has not been any hassle using the services of them.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 09, 2018
    • Indian Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      My credit card was taken with INDIAN BANK 13 years back. They have offered visa card and the credit limit was 30,000 which is satisfactory . The customer service and responses was good.The interest rate was bit high than other banks. My net banking is really good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 05, 2018
    • Indian Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Indian Bank Credit card for a while. It offers Reward points. The interest rate is almost 50% of that of private banks. The card is Not good for international usage where I have to inform in advance to bank activate. The Rewards points are en cashed automatically to the account. Overall it has been a very good expereince.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 27, 2018
    • Indian Bank Credit Card
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      I had been holding this card an year back and i have closed this card, I have been holding this from 2006 to 2008 and the experience had not been that good. The interest rate with them had been high and the services which they had provided had not been up to the mark.
      Was this review helpful? 1
      , ranipettai
      Reviewed on Jun 25, 2018
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