Indian Bank credit cards: 1 for business, none personal
None of the Indian Bank cards a person can get today has a published fee and reward rate we can value. Every card is listed below with what we do know.
10cards we track, none we can value
Points and where they go
Indian Bank's cards pay cash back, not points: 8 cards credit rupees to your statement.
Recent changes
- Indian Bank and OneCard launch the Indian Bank One co-branded credit card Better for you · Launch · Indian Bank / OneCard
All 10 Indian Bank cards
Fees run ₹0 to ₹500, and 3 of them are genuinely free for life. We cannot value 3 of them: Indian Bank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 10 keep, 0 downgrade, 0 cancel.
Invite only 1
Not confirmed on sale 8 cards
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Indian Bank Secured (VISA / RuPay)
Not valued fee or rewards not published
Fee not published · 3% forex markup · Reward rate 1%
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Business cards 1 card
Standard charges
The charges Indian Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.
| Charge | What the bank says | Our read | Cards |
|---|---|---|---|
| Add-on card fee | Nil to join - "No Joining Fee for primary cardholder and add-on cardholder/s" | Free | 7 of 8 |
| Over-limit fee | ₹25 | 5 of 9 | |
| Reward redemption fee | None - cashback is credited to the statement, not redeemed | 5 of 7 |
Cards counts the Indian Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.
Indian Bank in RBI's figures
- Cards in force
- 2,72,318
- 0.2% of India's cards
- Spent in August 2026
- ₹161 crore
- 50% of it online
- Spend per card
- ₹5,930
- a month, on average
Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures
Sources
The Indian Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.
- Official Indian Bank credit-card MITC — "No Joining Fee for primary cardholder and add-on cardholder/s", "VISA-Bharat Cards: NIL" AMC, 1.79% a month on purchases and the Bharat/RuPay charge column read
- Official "Rupeek Indian Bank Gold Backed Credit Card" — the co-brand particulars and MITC: joining fee Zero, AMC Zero, 36% a year, limits of ₹10,000 to ₹50,00,000 and the gold-based eligibility read
- Official MITC for the PM SVANidhi Credit Card — NIL joining and NIL annual maintenance, 1.99% a month, the no-cash and no-forex rules, and the Classic insurance schedule read
- Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read