Indian Bank Credit Card

The features of Indian Bank Bharat Credit Card (visa Classic) are:

Domestic Usage – This Indian Bank credit card can be used in India only.

Credit Limit – Maximum limit is of Rs. 19,999.

Rate of Interest – Finance charge on Indian Bank Bharat Credit Card is just 1.79% p.m. which is much less than other credit cards

Minimum Amount Payable – If you cannot manage to pay the full outstanding amount, you can pay the minimum due amount which is just 10% of the total due.

Joining Fee/ Annual Fee – This is a lifetime free credit card.

Insurance Coverage – Following coverage is provided:

• Rs. 1 Lakh if death occurs due to air accident
• 50,000 if death occurs due to any other reason
• 50,000 Hospitalization Cover
• Credit Shield in case of death – Rs. 10,000
• Purchase Protection Cover – Rs. 10,000

Indian Bank Global Credit Card is offered in two variants- Gold and Classic. Top features of these credit cards are shown below:

Global Acceptance– This Indian Bank credit card can be used globally.

Credit Limit – You can get a credit limit anywhere  between Rs. 20,000 and Rs. 99,999.

Rate of Interest – Finance charge is 1.99% p.m. which is much less than other popular cards in the market.

Reward Program – Get 1 point worth Re.1 on every Rs.200 spent. Use reward points to pay off the credit card bill. Minimum 500 points must be accrued to use this feature.

Insurance Coverage – Following coverage is provided to Indian Bank Gold Credit Card holders:

• Rs. 5 Lakh if death occurs due to air accident
• Rs. 2 Lakh if death occurs due to any other reason for primary card holder & Rs. 1 Lakh for add on cardholders
• Up to Rs. 1 Lakh Hospitalization Cover for cardholder whose age is up to 65 years. Cardholders who are between 66 to 80 years of age get a coverage of Rs. 50,000
• Credit Shield in case of death – Rs. 25,000
• Purchase Protection Cover – Rs. 25,000
• Baggage Cover if lost or stolen – Rs. 10,000

Indian Bank Global Classic Credit Cardholders will get the following coverage:

• Rs. 2 Lakh if death occurs due to air accident
• Rs. 1 Lakh if death occurs due to any other reason for primary card holder & Rs. 50,000 for add on cardholder
• Up to Rs. 50,000 Hospitalization Cover for cardholder whose age is up to 65 years. Cardholders who are between 66 & 80 years of age get coverage up to Rs. 25,000
• Outstanding amount foregone by the bank in case of death – Rs. 10,000
• Purchase Protection Cover – Rs. 10,000
• Baggage Cover if lost or stolen – Rs. 5,000

The features of this Indian Bank Credit Card are given below:

Global Acceptance– The credit card can be used in India as well as overseas.

Credit Limit – Get limit of Rs. 1 Lakh or more.

Rate of Interest – Finance charge is just 1.66% p.m.

Reward Program – Get 1 point worth Re. 1 for every Rs. 200 spent. Use reward points as statement credit after accumulating at least 500 points.

Joining Fee – Not Applicable.

Insurance Coverage – Following coverage is provided to Platinum card holders:

• Rs. 5 Lakh if death occurs due to air accident
• Rs. 2 Lakh if death occurs due to any other reason for primary card holder and Rs. 1 Lakh for add on cardholder
• Up to Rs. 1 Lakh Hospitalization Cover for cardholder whose age is less than 65 years. For cardholders who are aged between 66 to 80 years the coverage is Rs. 50,000 only
• Outstanding amount not sought by the bank in case of death is Rs. 25,000
• Purchase Protection Cover is Rs. 25,000
• Lost baggage cover is Rs. 10,000

Particulars	Gold/Platinum Card	Classic Card	Bharat Card
Joining Fee- Primary Card	Nil	Nil	Nil
Joining Fee – Add-on card	Rs. 100	Rs. 100	Rs. 100
Cash Advance Fee	Rs. 50/-	Rs. 50/-	Rs. 25/-
Cash Advance charges	2.25% p.m.	2.25% p.m.	1.99% p.m.
Over Limit Fee	Rs. 50/-	Rs. 50/-	Rs. 25/-
Late Fee	Rs. 250/-	Rs. 250/-	Rs. 50/-
Cheque return Charges	Rs. 250/-	Rs. 250/-	Rs. 50/-
Limit Enhancement Fee	Rs. 100/-	Rs. 100/-	Rs. 25/-
Foreign Currency Transaction Fee	3.00%	3.00%	N/A
Card Re issue Fee	Rs. 250/-	Rs. 100/-	Rs. 100/-
Surcharge	2.5% on fuel Purchase &  1.8% on ticket booking amount	2.5% on fuel Purchase &  1.8% on ticket booking amount	2.5% on fuel Purchase &  1.8% on ticket booking amount
Pin Mailer Re issue	Rs. 50/-	Rs. 50/-	Rs. 25/-
Charge Slip Retrieval Fee	Rs. 125/ per Slip	Rs. 125/ per Slip	Rs. 75/ per Slip
Statement Retrieval Fee	Rs. 100/ per statement	Rs. 100/ per statement	Rs. 50/ per statement
Balance Enquiry through ATM	Rs. 35 in India | Rs. 50 Overseas	Rs. 35 in India | Rs. 50 Overseas	Rs. 35 in India
Other than Indian Bank ATM’s in India	Rs. 50/-	Rs. 50/-	Rs. 50/-
Cash withdrawal at Indian Bank ATM’s	Nil	Nil	Nil
Cash withdrawal at any ATM at Abroad	Rs. 250/-	Rs. 250/-	Not applicable
Auto Debit Facility on request	Available	Available	Available

Suggested Read: Best Low Interest Credit Cards in India in 2025

Indian Bank has set certain criteria which you must meet in order to get your applications approved. The criteria can be credit score (above 700), age (18-65 years), income, location etc. The eligibility criteria for different credit cards can also vary. Do note that the approval of an application is at the sole discretion of the bank.

Documents Required

In order to avail Indian Bank Credit card, you also have to submit certain documents in order to prove your identity, income and address. The list of eligible documents are:

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

You must visit the nearest branch to apply for Indian Bank Credit Card. There, you can ask for a branch official to guide you through the process. It includes filling out an application form and furnishing the documents requested by the bank. Indian Bank will then review all the submitted documents and dispatch the credit card if everything checks out. The card may reach the applicant within 7 – 10 working days. If you are looking for other top credit cards in India, apart from the credit cards offered by Indian Bank, you can apply here.

The customer care number of Indian Bank is 044-25220903 / 044-25220904. Additional contact information can be found here.

Which Indian Bank credit card is best?

Indian Bank offers multiple credit cards that cater to the diverse lifestyle needs of consumers. You may choose the best credit card as per the card’s features aligned to your preferences. For instance, the Indian Bank Gold Card/Classic Card is a good choice for users seeking a card with reward benefits.

What is the eligibility for a credit card in the Indian bank?

The eligibility requirements for the Indian Bank credit card may vary from one card to another. The general requirements are a credit score above 700 and an age between 18 and 65 years.

How to apply for an Indian Bank credit card?

You can apply for an Indian Bank credit card by checking details on the website. Alternatively, you may visit your nearest branch.

How to activate an Indian Bank credit card?

You can activate your Indian Bank credit card through an ATM by generating a PIN or through Customer Care (IVR) by calling 1800 425 00 000/1800 425 4422.

How to close an Indian Bank credit card?

To close your Indian Bank credit card, call customer care at 1800 425 00000/1800 425 4422.

How is the interest calculated on Indian Bank credit card?

Interest or finance charge comes into play when you makes partial or no payment on your credit card’s bill. In this scenario, the interest is calculated from the date of transaction till the day payment is made compounded on a daily basis.

Are there any spend restrictions on Indian Bank Bharat credit card?

Yes, the Bharat credit card cannot be used at a jewellery shop. Also, unlike other Indian Bank credit cards where the cash advance limit is 40.00%, Bharat’s cash limit is just 25.00%.

What is Indian Bank’s credit card customer care email address?

The Indian Bank Credit Card customer care email address is creditcard@indianbank.co.in.

I lost my Indian Bank credit card. What should I do?

You must immediately call the Indian Bank customer care number to hot list your credit card. The number is 1800-425-00-000.

Is Visa registration required in order to make online transactions via Indian Bank Credit Cards?

No, Indian Bank cardholders no longer need to register their Visa credit cards in order to make online transactions.