Indian Bank credit cards
Nine issuer-bound names. Additional coverage outside the frozen 401-name audit; directory-only.
These names are not calculator models. Published reward rates are not a complete return estimate. No point value or co-brand terms are imported.
Issuer-listed names
- IB-VISA-Bharat
- IB-VISA-Gold
- IB-VISA-Platinum
- IB-VISA-Business
- IB-RuPay-Classic
- IB-RuPay-Platinum
- IB-RuPay-Select
- Rupeek Indian Bank Gold Backed Credit Card
- Indian Bank One Co-Branded Credit Card
Why published rewards are not scored yet
The current product page links a variant-features PDF and a credit-card rewards poster. The poster advertises ₹1 cashback per ₹100 spent, credited to the card statement in the same billing month, and ₹0.50 per ₹100 for categories including rent, utilities, fuel, insurance, jewelry and government spends. It excludes wallet loads, EMI, ATM withdrawals and UPI transactions below ₹2,000. These are published claims, not rates imported into our calculator. The poster says terms and conditions apply, but the full cap, rounding and category rules have not been verified. A QR code leads back to the product page, not fuller reward rules.
The feature sheet describes different rewards across named variants. Do not apply the poster to every card indiscriminately. The linked MITC lists ₹250 annual fee from the second year for Gold/Platinum/Classic/Select, with a conditional waiver, and a fuel surcharge of 2.5% or ₹10, whichever is higher. That surcharge is not modeled as a waiver or ignored to create a fuel benefit. Fee tax, account terms and full reward eligibility need confirmation before a score is added.
Two individually bound co-brands, still directory-only
The current Indian Bank catalogue links a named Rupeek Indian Bank Gold Backed Credit Card document and a separate Indian Bank One Co-Branded Credit Card page. The Rupeek document lists zero joining fee and zero Annual Maintenance Charges, but it also lists ₹500 card closure charges if card spends are below ₹1 lakh or the active period is below six months. Its limit is backed by pledged gold, not a term-deposit assumption. Its fuel surcharge of 1% plus GST or ₹10, whichever is higher, is a charge, not a verified waiver. No reward rate or current availability is inferred, and no Rupeek Prime prepaid-card alias or generic Indian Bank reward rate is imported.
The named One co-brand KFS, effective 7 July 2026, lists NIL joining, annual membership and reward redemption fees. The current issuer page links its August 2026 MITC separately. Early primary-card cancellation within six months of virtual-card activation costs ₹3,000 for a metal card or ₹500 for a plastic card; tax and other listed charges may apply. NIL membership fees do not mean every service is free. This named issuer co-brand is not merged with the SBM One model. A named current reward denomination, complete eligible categories, rounding, caps and redemption rules must be verified together before scoring. Rewards, offers, fuel relief and other benefits remain unpriced, not absent; no point value, score, launch date or open-application status is imported.
Scope and freshness
Checked 2 October 2026. The current main page was marked last modified 17 July 2026. These nine names are a verified subset, not a complete Indian Bank catalogue. The separate secured-card category does not establish a new named variant here. Rupeek and One are included above as individually bound directory-only names. PM SVANidhi remains excluded pending verified named terms; a linked page or generic scheme policy alone does not establish those terms. Listing does not guarantee approval, availability or unchanged terms.
Issuer sources
Current issuer page and named variants · Issuer variant features · Linked MITC: standard fees and surcharge · Actual issuer statement-cashback poster · Issuer-linked Rupeek gold-backed document · Named Indian Bank One page · Named One KFS effective 7 July 2026 · Current linked One August 2026 MITC
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