Indian Bank Credit Card: Eligibility, Features & Benefits

Indian Bank provides a variety of credit cards to cater to the diverse financial needs and preferences of its customers.

Some of the credit card options offered by Indian Bank include the standard Indian Bank Credit Card, which provides essential features such as credit limits and cash withdrawal.

The Indian Bank SBI Platinum Credit Card, a co-branded card in partnership with State Bank of India, offers rewards, discounts, and versatility for online and offline transactions. The Indian Bank EMV Credit Card, equipped with EMV technology, ensures secure transactions while providing additional discounts and benefits.

The Indian Bank UPI Credit Card allows users to link their card with their UPI ID, simplifying mobile and digital payments.

Indian Bank Credit Card 2024

Selecting the best Indian Bank credit card that suits your needs involves considering a few key factors. To make an informed choice, start by assessing your spending patterns and financial goals.

If you primarily use a credit card for day-to-day expenses, the standard Indian Bank Credit Card may be a suitable option, offering essential features like credit limits and cash withdrawal.

If you are looking for added perks such as rewards, discounts, and the flexibility for both online and offline transactions, the Indian Bank SBI Platinum Credit Card might be a better fit. Pay attention to your security needs as well, as cards like the Indian Bank EMV Credit Card provide enhanced safety for transactions.

if you prefer digital and mobile payments, the Indian Bank UPI Credit Card, which can be linked to your UPI ID, could be convenient. Remember to review each card’s specific terms, eligibility criteria, fees, and benefits, and align them with your financial requirements before making a decision.

Credit Card
Indian Bank Bharat Credit Card
Indian Bank Gold Credit Card
Indian Bank Platinum Credit Card

Features & Benefits

Indian Bank offers a range of credit cards with varying features and benefits. The Bharat Credit Card provides affordable access to rewards and dining discounts. The Gold Credit Card offers travel insurance and lounge access.

Meanwhile, the Platinum Credit Card grants exclusive access to airport lounges and golf courses, along with enticing travel discounts. These cards cater to diverse financial needs and preferences.

  • PROS

  • CONS

  • Diverse card options to suit different preferences.
  • Competitive annual fees.
  • Reward points and discounts for Bharat Credit Card users.
  • Travel insurance and lounge access for Gold Credit Cardholders.
  • Premium benefits including airport lounge access and golf privileges for Platinum Credit Card users.
  • Annual fees can be a drawback for cost-conscious individuals.
  • Credit limits vary based on income and credit score.
  • Joining bonuses may not always fully offset the annual fees.
  • Benefits and eligibility may change, so always check for the latest terms.

Fees & Charges

Credit CardAnnual FeeMinimum Income RequirementCredit LimitJoining BonusReward PointsAdditional Benefits
Indian Bank Bharat Credit CardINR 500INR 20,000 per monthBased on income and credit score2,000 reward points1 point for every INR 100 spent1% fuel surcharge waiver on fuel purchases between INR 400 and INR 5,000, Up to 15% off at partner restaurants, EMI Facility, Online Bill Payment
Indian Bank Gold Credit CardINR 1,000INR 30,000 per monthBased on income and credit score3,000 reward points2 points for every INR 100 spentComplimentary travel insurance, Limited access to airport lounges, Concierge Service, EMI Facility
Indian Bank Platinum Credit CardINR 5,000INR 50,000 per monthBased on income and credit score5,000 reward points3 points for every INR 100 spentPriority Pass for unlimited lounge access, Complimentary golf access at select courses, Travel Benefits, Concierge Service, EMI Facility

Eligibility Criteria

  • Age: Typically 18 to 70 years (varies by card type).
  • Income: Meeting the bank’s minimum income requirement (varies by card).
  • Credit Score: A good credit score demonstrating responsible credit history.
  • Indian Citizenship: Applicants must be Indian citizens.
  • Documentation: Providing required identification and financial documents.
  • Existing Debt: Managing existing debts effectively may be considered.

Documents Required

  • Proof of Identity: Valid government-issued ID (Aadhar card, passport, etc.).
  • Proof of Address: Documents with your current address (utility bills, rental agreement, etc.).
  • Income Proof: Salary slips, IT returns, or bank statements.
  • Passport-size Photographs: Recent passport-sized photos.
  • PAN Card: A valid Permanent Account Number (PAN) card.
  • Bank Account Details: Information about your existing bank account.
  • Application Form: A completed credit card application form.

How to Apply Indian Bank Credit Card Online

  1. Visit the Indian Bank website.
  2. Choose the credit card you want to apply for.
  3. Click on the “Apply Now” or “Apply Online” button.
  4. Fill out the online application form with your personal and financial information.
  5. Provide the necessary documents, including proof of identity, address, and income.
  6. Review and confirm the accuracy of your application.
  7. After processing and approval, Indian Bank will issue your credit card.

Other Bank Credit Cards

Indian Bank is a major bank in India with a rich history. It was established on August 15, 1907. It began as a private bank called “Indian Bank of Madras” and was founded by a group of Indian businessmen.

In 1969, the Indian government decided to nationalize Indian Bank, making it a government-owned bank. This move was part of a larger effort to bring the banking sector under public control and ensure that banking services reached a broader section of the population.

Since then, Indian Bank has expanded its operations and presence across India. It offers various banking services, including savings accounts, loans, and more, to serve the financial needs of individuals and businesses.

Indian Bank has a long and proud history of contributing to India’s economic growth and financial inclusion. It continues to play a crucial role in the Indian banking sector today.

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