Indian Bank IND Youth Credit Card
Indian Bank · Open to apply
Indian Bank's credit card for 18 to 29 year olds (a female and a male design), a Visa Platinum with no joining fee, a 1% foreign currency markup (the other cards charge 3%) and 1.66% a month interest. Its MITC gives an annual fee of Rs.500 in the charges table but Rs.250 from the second year in the fee text, and no reward terms.
- Annual fee
- ₹500 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- No reward terms published for this card: 0% in No rewards published
- Lounges
- None on record
- Forex markup
- 1%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No reward terms published for this card
Where the sources disagree
- annual fee: The Youth MITC says AMC is nil in year one and Rs.250 from year two (waived above Rs.50,000), but its schedule of charges says Rs.500. The general Indian Bank MITC gives Rs.250 from year two for Visa Platinum. The schedule figure is entered.
Terms the calculator does not value
- The Youth MITC and the page publish no reward points, cashback or welcome terms. The rewards poster does not mention the Youth card, so no earn rate is entered (a zero base rate stands in).
Sources
- Indian Bank credit card Most Important Terms and Conditions (PDF created 2026-09-27) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Indian Bank credit card features and benefits (two-page card sheet) (Product page, the bank's own, read 6 Nov 2026)
- Indian Bank poster: Get rewards for every spent with IB Credit Card (PDF, 2025-01-24) (Reward terms, the bank's own, read 6 Nov 2026)
- Indian Bank credit cards page (Product page, the bank's own, read 6 Nov 2026)
- Indian Bank IND Youth credit card Most Important Terms and Conditions (Most important terms (MITC), the bank's own, read 6 Nov 2026)