Choose Your Perfect Credit Card

Explore Indian Bank Visa and RuPay cards. Compare revolving credit limits, EMI facilities, reward points and charges from Indian Bank’s credit card features and benefits.

Platinum

IB-VISA-Platinum

Annual fee (AMC)

₹0 in year 1

Rewards

1 point / ₹100

Joining fee

Nil

  • Revolving credit limit: ₹1,00,000 and above
  • EMI facility: Yes
  • Add-on cards: Up to 4 cards
  • Cash limit: 40% of credit limit
  • Interest rate (ROI): 1.66% per month
  • Minimum monthly payment: 5% of the outstanding balance
  • Reward points: 1 point valued at ₹1 for every ₹100 spent
  • AMC: Nil for the first year; ₹250 from the second year onwards (conditional waiver)
Gold

IB-VISA-Gold

Annual fee (AMC)

₹0 in year 1

Rewards

1 point / ₹100

Joining fee

Nil

  • Revolving credit limit: ₹20,000 to ₹99,999
  • EMI facility: Yes
  • Add-on cards: Up to 4 cards
  • Cash limit: 40% of credit limit
  • Interest rate (ROI): 1.99% per month
  • Minimum monthly payment: 5% of the outstanding balance
  • Reward points: 1 point valued at ₹1 for every ₹100 spent
  • AMC: Nil for the first year; ₹250 from the second year onwards (conditional waiver)
Platinum

IB-RuPay-Platinum

Annual fee (AMC)

₹0 in year 1

Rewards

1 point / ₹100

Joining fee

Nil

  • Revolving credit limit: ₹25,001 to ₹1,99,000
  • EMI facility: Yes
  • Add-on cards: Up to 4 cards
  • Cash limit: 40% of credit limit
  • Interest rate (ROI): 1.66% per month
  • Minimum monthly payment: 5% of the outstanding balance
  • Reward points: 1 point valued at ₹1 for every ₹100 spent
  • Airport lounge access: Yes
  • AMC: Nil for the first year; ₹250 from the second year onwards (conditional waiver)
Select

IB-RuPay-Select

Annual fee (AMC)

₹0 in year 1

Rewards

1 point / ₹100

Joining fee

Nil

  • Revolving credit limit: ₹2,00,000 and above
  • EMI facility: Yes
  • Add-on cards: Up to 4 cards
  • Cash limit: 40% of credit limit
  • Interest rate (ROI): 1.66% per month
  • Minimum monthly payment: 5% of the outstanding balance
  • Reward points: 1 point valued at ₹1 for every ₹100 spent
  • Airport lounge access: Yes
  • AMC: Nil for the first year; ₹250 from the second year onwards (conditional waiver)
Classic

IB-RuPay-Classic

Annual fee (AMC)

₹0 in year 1

Rewards

No reward points

Joining fee

Nil

  • Revolving credit limit: ₹10,000 to ₹25,000
  • EMI facility: Yes
  • Add-on cards: Up to 4 cards
  • Cash limit: 25% of credit limit
  • Interest rate (ROI): 1.99% per month
  • Minimum monthly payment: 5% of the outstanding balance
  • Reward points: No reward points programme
  • Airport lounge access: Not included
  • AMC: Nil for the first year; ₹250 from the second year onwards (conditional waiver)
Business

IB-VISA-Business

Annual fee (AMC)

₹0 in year 1

Rewards

1 point / ₹200

Joining fee

Nil

  • Revolving credit limit: As requested by the customer
  • EMI facility: Not available
  • Variants: Visa Gold / Platinum
  • Cash limit: 40% of credit limit
  • Interest rate (ROI): 1.99% per month
  • Minimum monthly payment: 5% of the outstanding balance
  • Reward points: 1 point valued at ₹1 for every ₹200 spent
  • AMC: Nil for the first year; ₹500 from the second year onwards

How It Works

1

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2

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3

Complete Application

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