Indian Bank Visa Business Credit Card
Indian Bank · Open to apply
Indian Bank's Visa Business credit card for expense management of firms and entities: no joining fee, Rs.500 a year from the second year (waived above Rs.2 lakh of spend), 1.99% a month interest and 1 reward point (Re.1) per Rs.200.
- Annual fee
- ₹500 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹2,00,000 spend per card year
- Base rate
- 1 point (Re.1) for every Rs.200: 1 Cashback (reward points at Re.1) per ₹200 (about 0.5% at cash value)
- Lounges
- None on record
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Terms the calculator does not value
- The card sheet gives 1 point (Re.1) per Rs.200 for the Business card; the 2025 rewards poster is not stated to cover it, so the poster's half rate on rent, utilities, fuel and similar spends, and its exclusions, are not applied here.
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)