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  • Indian Bank Credit Cards is Rated as "Excellent!" by 31 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Indian Bank Credit Cards

    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.

    Indian Bank Credit Cards Reviews

    • 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? 0
      , 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
    • Indian Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      y credit card was taken with INDIAN BANK 4 years back. They have offered gold card and the credit limit was 50,000 which is satisfactory and i hold reward points. The customer service and responses was up to the mark. Its a life time free card .My overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 07, 2018
    • Indian Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Indian bank platinum gold credit card for the past 2 years. The credit card service is good with the Indian bank. The credit limit value s good with this Indian bank platinum gold credit card and I am satisfied wit hit. The rate of interest and the charges are average with this Indian bank platinum gold credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 31, 2018
    • Indian Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I use the Indian bank Visa business credit card for the fuel purchases, groceries , bill payments and for other usages. I got this Indian bank Visa business credit card around 4 years ago. The customer support service and the response is good with the Indian bank.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 25, 2018
    • Indian Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with Indian Bank. I use platinum card for a very long time. They offered a good credit limit. The customer service and response was excellent. They charge annual fee but it get waived off based on the expenditure. I get sort of discounts.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 06, 2018
    • Indian Bank Credit Card
      "Best of cash back offers "
      0.5 5.0/5 "Blown Away!"
      I get a lot of good deals on the credit card with Indian Bank. There are good cash back offers. Recently I bought a mobile phone and I got a cash back of 8% and I also have a very good credit limit. It is a life time free card and the transactions are always smooth.
      Was this review helpful? 0
      , saharanpur
      Reviewed on Nov 08, 2017
    • Indian Bank Credit Card
      "Best to use"
      0.5 5.0/5 "Blown Away!"
      I am using Cash Back credit card for 6months with Indian Bank. I am getting cash back offer. Mostly I use this card for billing and shopping. Annual fee is applicable. The credit limit was satisfactory. 24/7 number is provided but I have not tried. Plus, there are no additional charges on the card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 27, 2017
    • Indian Bank Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card with INDIAN bank 2 years back . I hold their gold card . The credit limit is 1 lakh and Its an international card . The customer service and responses was up to the mark so I would like to rate 5 out of 5 overall. My overall experience was good
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 06, 2017
    • Indian Bank Credit Card
      "Slow process"
      0.5 1.0/5 "Really Bad"
      Indian Bank credit card process is very slow, if we payment the payment in their gate way its takes four days to reflect in their system. But SBI and HDFC payment gets updated immediately. To refund any amount they take long duration like seven days.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Oct 03, 2017
    • Indian Bank Credit Card
      "Credit limit & offers are good"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with Indian bank and it is nice that all my transactions goes through when ever I use the card. Because I use the card only when needed and it does not disappoint me. The credit limit is good and there are good discounts as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 30, 2017
    • Indian Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      Though I am not very happy with the debit card of Indian bank. They are doing great on the credit card. I get a lot of reward points on every transaction which I do and I also can redeem my points online as well on shopping . There are discounts offered too based on this credit card.
      Was this review helpful? 1
      , chennai
      Reviewed on Apr 25, 2017
    • Indian Bank Credit Card
      "Actual Benefit."
      0.5 4.0/5 "Great!"
      Got a Gold Card. International acceptance. Limit amount set on basis of annual income (can be increased if you give FD as lien) No annual fee or other charge (at all). 45 days time - 21st to 20. 1reward point(1rupee) for every 200 Rs. Spent anywhere.( no limitation like dining or movie or travel... Just anywhere literally). Reward point returned as deduction to bill on accumulation of 500. A bit slow on issue of new card. Otherwise best you can get. Great customer service and card control through SmartRemote App.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Aug 24, 2016
    • Indian Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the Indian Bank and the services were nice with them. I been with them from the last two years of time and the customer service is good with them. Credit limit value is around 15000 Rupees with them.
      Was this review helpful? 1
      , chennai
      Reviewed on Feb 11, 2016
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