Indian Bank Credit Card Review: Eligibility & Features

nikhilchauhan

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Indian Bank offers a range of credit cards, making it easier for both individuals and businesses to access credit facilities. These cards come with various benefits like cash withdrawal, credit card EMI, low-interest rates, reward points, and more. What sets them apart is the absence of a joining fee and affordable annual fees.

Top Indian Bank Credit Cards in 2024
  • Indian Bank Bharat Credit Card
    • Annual Fee: NIL
    • Key Features:
      • Allows cash withdrawal up to 25% of the credit limit.
      • Competitive monthly interest rate of 1.79%.
  • Indian Bank Gold Credit Card
    • Annual Fee: Rs. 250
    • Key Features:
      • Earn 1 reward point for every Rs. 200 spent.
      • Enjoy global acceptance for added convenience.
  • Indian Bank Platinum Credit Card
    • Annual Fee: Rs. 250
    • Key Features:
      • Earn 1 reward point for every Rs. 200 spent.
      • Benefit from an EMI facility for more flexible payments.
      • Globally accepted for international usability.
  • Indian Bank Business Credit Card
    • Annual Fee: Rs. 500
    • Key Features:
      • Earn 1 reward point for every Rs. 200 spent.
      • Accepted globally, making it suitable for business-related transactions.
These credit cards cater to a diverse set of needs, from cash withdrawals and rewards accumulation to EMI facilities and global acceptance. Whether you're a frequent traveler or a business professional, Indian Bank has a credit card to match your requirements. Consider the features of each card to find the one that best aligns with your financial preferences and lifestyle.

Features:
  • Zero Annual Fee: No joining, annual, or renewal fees.
  • Global Acceptance: Widely accepted in India and abroad.
  • Rewards and Cashback: Earn rewards for every Rs. 100 spent.
  • Interest-free Credit Period: Enjoy up to 45 days of interest-free credit.
  • Comprehensive Insurance: Free insurance covering various aspects.
  • Cash Advance: Convenient cash withdrawal from ATMs.
  • Add-on Cards: Share benefits with family through supplementary cards.
Charges and Interest Rates:
  • Interest on Revolving Credit: Ranges from 1.79% to 1.99% per month.
  • Minimum Due: 5% of the billed amount.
  • Late Payment Fee: Varies for different cards.
Eligibility Criteria:
  • Minimum age: 18 years
  • Maximum age: Up to 80 years
  • Minimum income: Starts from Rs. 5,000
Documents Required:
  • ID and Age Proof
  • Address Proof
  • Income Proof
  • PAN Card
Indian Bank Credit Card Rewards Points:

Earn rewards for every Rs. 100 spent and redeem them for cashback once you accumulate Rs. 500.

Whether you're an individual or a business, Indian Bank provides credit cards tailored to your needs. With no joining fees, annual fees, and widespread acceptance, these cards offer a host of benefits. Enjoy global access, rewards, and low interest rates. You can apply easily and experience the convenience of credit with Indian Bank.
 
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