Indian Bank RuPay Classic Credit Card
Indian Bank · Open to apply
Indian Bank's entry RuPay Classic credit card: no joining fee, Rs.250 a year from the second year (waived above Rs.50,000 of spend), 1.99% a month interest, no reward points and no lounge access.
- Annual fee
- ₹250 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- No reward points on this card: 0% in No rewards
- Lounges
- None on record
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No reward points on this card
Terms the calculator does not value
- The card sheet says "This card does not include a reward points program" and the page lists "merchant offers and deals" only, so no earn rule is entered beyond a zero base rate. The Rs.2,00,000 RuPay Classic cover mentioned in the Visa table of the MITC applies to Classic Visa cards, not this one; no RuPay Classic insurance is stated.
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)