Indian Bank Visa Gold Credit Card
Indian Bank · Closed to new applicants
Indian Bank's Visa Gold 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 and Re.1 for every Rs.100. It is in the MITC and card sheet but not on the bank's current card list.
- Annual fee
- ₹250 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- Re.1 cashback for every Rs.100: 1 Cashback (reward points at Re.1) per ₹100 (about 1% 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 2025 rewards poster ("IB Credit Card") gives Re.0.50 per Rs.100 on rent, utilities, fuel, insurance, jewellery and government spends, nothing on wallet loads, EMI, ATM withdrawals and UPI payments below Rs.2,000. It pictures only the Visa and RuPay Platinum cards and does not name the Gold card, so those terms are not applied here; the card sheet's Re.1 per Rs.100 is. Some spends may earn less than modelled.
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)