Rupeek Indian Bank Gold Backed Credit Card
Indian Bank · Open to apply
A credit card secured against gold jewellery pledged through Rupeek, issued by Indian Bank: no joining or annual fee, a limit from Rs.10,000 to Rs.50 lakh set by the value of the gold, and anyone aged 21 to 70 with gold can apply. The bank's documents publish no reward programme for it.
- Annual fee
- Lifetime free
- Joining fee
- None
- Lounges
- None on record
- Forex markup
- 3%
- Data
- Terms not entered, checked 7 Nov 2026
Terms the calculator does not value
- Reward programme: neither the fee sheet nor the MITC says the card earns rewards, and Indian Bank's rewards poster does not name it. A 2022 third-party article reported "1 reward point for every Rs 200 spent" with no stated value. Not entered, so the card is listed rather than valued.
- The card is secured by gold, pledged under a separate loan agreement with Rupeek; the MITC says the pledged gold can be auctioned on default and that Rupeek recovers any shortfall. The cost of the gold loan itself is not part of the card's fees.
- Card replacement for a lost card Rs.250 and PIN mailer re-issue Rs.50 (digital PIN free); the fee sheet gives no foreign-currency markup.
Sources
- Indian Bank and Rupeek co-branded credit card, Most Important Terms and Conditions (MITC) (Most important terms (MITC), the bank's own, read 7 Nov 2026)
- Rupeek Indian Bank Gold Backed Credit Card, fee sheet and MITC (Indian Bank, 2025-08-05) (Schedule of charges, the bank's own, read 7 Nov 2026)
- Rupeek Gold FD Card page (Partner's page, the bank's own, read 7 Nov 2026)
- EMI Calculator, Now, Get a Credit Card against Your Gold Jewellery (2022-05-30) (Third-party site, read 7 Nov 2026)
- Indian Bank credit cards page (lists the IB-Rupeek Co-Branded Credit Card) (Product page, the bank's own, read 7 Nov 2026)