IOB ZET Credit Card
Indian Overseas Bank · Open to apply
A fixed-deposit-backed card from IOB and the ZET app with nil joining and annual fees, a limit raised by booking more deposits in the app, and a 1% fuel surcharge. IOB's MITC states no reward terms.
- Annual fee
- Lifetime free
- Joining fee
- None
- Lounges
- None on record
- Forex markup
- 2.49%
- Data
- Terms not entered, checked 6 Nov 2026
Terms the calculator does not value
- No reward terms are stated in IOB's MITC; any rewards are run by the ZET app, whose terms are not an IOB document. Not entered, so the card is listed, not valued.
Sources
- IOB ZET Card, Most Important Terms and Conditions (Annexure II) (Most important terms (MITC), the bank's own, read 6 Nov 2026)