Indian Bank IB-VISA-Bharat Credit Card

Apply for the best credit card of Indian Bank

Last updated:28-Dec-24 Writen by Narendra User Profile
Indian Bank IB-VISA-Bharat Credit Card
  • Best suitable for: Travel
  • Joining Fee: ₹ Lifetime Free + GST
  • Annual Fee: ₹ Lifetime Free + GST
  • Welcome Benefits: NA
Indian Bank Ib-Visa-Bharat Credit Card

Indian Bank IB-VISA-Bharat Credit Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ Lifetime Free
Annual/Renewal Fee:₹ Lifetime Free
Finance Charges:1.79% per month (21.48% annually)
Spend Based Waiver:Lifetime Free
Over Limit Penalty:50/- per instance
Rent Payment chargesNULL
Forex Charges:FREE
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI
Cheque Return Fees:50/- per returned cheque
Late Payment Charges:Late fees is 50/-

Indian Bank IB-VISA-Bharat Credit Card: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 21 years old.
Income: A stable annual income is necessary. Both salaried individuals and self-employed professionals are eligible to apply.
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

Indian Bank IB-VISA-Bharat Credit Card: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 1.99% per month,
Cash Advance Withdrwan Limit: Rs 8000/- cash limit
Cash Payment at Bank Branch: Rs. 50/- for every Cash payment

Indian Bank IB-VISA-Bharat Credit Card: Customer care and helpline

Customer care : 1800-425-00000 and 044-25220903
Email Address : [email protected]
Mailing Address: Indian Bank Credit Card Centre No.66, III Floor, Rajaji Salai, Chennai-600 001

Add-on Card facility: NIL

Card replacement fee: Rs 250 + GST

Rewards Redemption Fee: -

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 400 to 4,000 and Maximum of 200 per month.

FAQ of Indian Bank IB-VISA-Bharat Credit Card

Q1. What is the annual fee of Indian Bank IB-VISA-Bharat Credit Card?
The Indian Bank IB-VISA-Bharat Credit Card offers lifetime-free annual fees. The joining fee is also free for life!

Q2. What is the interest rate on the Indian Bank IB-VISA-Bharat Credit Card?
The Indian Bank IB-VISA-Bharat Credit Card has an interest rate of 1.79% per month (21.48% annually)

Q3. Are there foreign transaction fees on the Indian Bank IB-VISA-Bharat Credit Card?
Yes, The Indian Bank IB-VISA-Bharat Credit Card charges a zero fee for all transactions in foreign currency .

Q4. What is the credit limit of Indian Bank IB-VISA-Bharat Credit Card?
The credit limit for the Indian Bank IB-VISA-Bharat Credit Card is based on multiple factors, such as your income, repaying capacity, and credit history. Indian Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Indian Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

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