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Indian BankFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5 reward points per ₹100 on online spends, 1 point per ₹100 on other spends
Points can be redeemed for cashback, vouchers, or statement credit. 1 point = ₹0.15 typical redemption.
The privileges that come bundled in, beyond the reward points.
5% cashback on select online merchants
1% cashback on other spends
Fuel surcharge waiver
Complimentary lounge access (2 visits per quarter)
Dining discounts
An honest read on where this card earns its keep — and where it doesn't.
Good reward rates on online spends
Fuel surcharge waiver
Lounge access
Annual fee if spend waiver not met
Cashback capped on select merchants
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
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.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of Indian Bank are often approved on slightly lower scores.
Everything you need to know about Indian Bank Titanium Credit Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for Indian Bank Titanium Credit Card is nominal, and the annual renewal fee is ₹500 + 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 Titanium 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 Titanium 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 activation (as per product page)". 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 Titanium 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 Titanium 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.
