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Indian BankIndian Bank

Indian Bank Gold Credit Card

ShoppingLifestyleDiningFuel
Welcome offer5,000 reward points on spends of ₹5,000 within 30 days of card issuance (as published)
Annual fee
₹ 250
Reward rate
1 point per ₹100 spend
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

Indian Bank Gold Credit Card
Visa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

1 point per ₹100 spend

Points can be redeemed for vouchers, merchandise or statement credit at a conversion rate of 1 point = ₹0.25. Bonus points on select online merchants as per issuer's offer page.

Reward currency
Reward Points
Card network
Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Fuel surcharge waiver up to ₹500 per month

  • Dining discounts at partner restaurants

  • Complimentary airport lounge access (2 visits per quarter)

  • Zero liability on lost card

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Low annual fee

  • Reward points on all spends

  • Fuel surcharge waiver

What to watch out for

  • Reward points redemption value modest

  • Limited lounge access

  • Higher APR compared to some peers

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹250Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
0.5% of transferred amount (min ₹500)
Foreign currency markup
3.5% of transaction value
Late payment
₹300 to ₹1,300 based on due amount
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% p.a.)
Balance transfer
3.5% per month
Cash advance
3.5% per month

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Indian Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Indian Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Indian Bank Gold Credit Card

Everything you need to know about Indian Bank Gold Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Indian Bank Gold Credit Card is nominal, and the annual renewal fee is ₹250 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Indian Bank Gold Credit Card from Indian Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Indian Bank Gold Credit Card is designed to reward everyday spends. It currently features: "5,000 reward points on spends of ₹5,000 within 30 days of card issuance (as published)". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Indian Bank's rewards portal.

Yes, Indian Bank Gold Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for Indian Bank Gold Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.