Allahabad Bank India Card
CancelTwo lakh of air cover for two hundred and fifty rupees — if you bought the ticket with it.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Nothing published — the bank's own product entry lists fees, acceptance, cash and insurance, and names no joining gift
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Allahabad Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #1036
Why #1036 The oldest bank in India put ₹2 lakh of air-accident cover on a ₹250-a-year Mastercard, and gated it on buying the ticket with the card — a live travel benefit decades before the phrase existed. Carried for the record; Allahabad Bank was merged into Indian Bank on 1 April 2020.
The take
Allahabad Bank, founded in 1865 and the oldest joint-stock bank in India, ran its own Mastercard for years and almost nobody remembers it. The bank called it the India Card, and its own Domestic Schemes page prices it more plainly than most modern issuers manage: ₹100 to be admitted and ₹250 a year, accepted at over eighty thousand merchant establishments, open to anyone with ₹60,000 of annual income — and, unusually for the era, a spouse's income could be clubbed to reach the bar. The reason it belongs on a travel desk is one sentence: "Automatic insurance cover of Rs 2 lacs, whenever travel by air is made with tickets purchased by your card and Rs 1 lac in case of other accident." That is a conditional air-accident benefit — the cover attaches to the flight only if the ticket went on this card, which is precisely the mechanic premium cards advertise today, sold in the 1990s on a card costing less than a restaurant bill. There was no reward point, no redemption and no programme of any kind to go with it; the insurance and the acceptance were the whole product. The rest is honest and small. Cash came out of the bank's own counters rather than an ATM network — up to ₹10,000 a month, non-cumulative, at any of nine hundred-odd metropolitan, urban and semi-urban branches. Add-on cards were available, and so were corporate cards on the same product. Renewal was automatic, which the bank's Citizens' Charter states as a feature rather than a warning. By the middle of the 2010s the card was gone: the bank's Cards page listed an ATM-cum-debit card and a prepaid gift card and nothing else, and the only credit card Allahabad Bank still offered was a co-brand carrying American Express's licence rather than its own. On 1 April 2020 Allahabad Bank was amalgamated into Indian Bank.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Allahabad Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Automatic ₹2 lakh air-accident cover, on the condition that the ticket was bought with the card
- ₹1 lakh of accident cover otherwise, automatic and with nothing to enrol in
- ₹250 a year and ₹100 to be admitted
- An income bar of ₹60,000 a year, with a spouse's income clubbable to reach it
- Accepted at over eighty thousand merchant establishments on Mastercard International
- Cash of ₹10,000 a month over the counter at more than nine hundred branches
- Add-on cards and corporate cards available on the same product
- Renewal was automatic — the bank's Citizens' Charter says so in as many words
Watch out
- WITHDRAWN — Allahabad Bank was amalgamated into Indian Bank on 1 April 2020, and the India Card had disappeared from the bank's own Cards page years before that
- NO REWARDS AT ALL: no Allahabad Bank document names a point, a rate, a redemption or a programme — the insurance and the acceptance were the entire product
- THE AIR COVER IS CONDITIONAL: it attached only when the ticket was bought with this card, so a ticket paid any other way carried the ₹1 lakh ordinary cover and no more
- The bank never said whether year one billed ₹100 or ₹350 — the admission fee and the annual fee are printed in one line with no statement of when either fell
- Cash came from BRANCH COUNTERS, not ATMs, capped at ₹10,000 a month and non-cumulative, so an unused month bought you nothing
- No lounge access, no airline partner, no hotel partner, no transfer route, ever
- Do not confuse this with the American Express co-brand Allahabad Bank sold from 2012 — those were Amex's Platinum Reserve and Gold Charge cards on Amex's licence, with the bank's logo added
- Do not confuse it with the bank's Kissan Credit Card either, a farm overdraft issued with a passbook that happens to share the ₹100 admission fee
What these points actually fly
Allahabad Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. Allahabad Bank ceased to exist as a licensed bank on 1 April 2020, when it was amalgamated into Indian Bank. While the India Card was open the bar was ₹60,000 of annual income and a spouse's income could be clubbed to reach it — genuinely low, even for the period. Companies could take the same product as a corporate card, and add-on cards were available to holders.
Allahabad Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Allahabad Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official Allahabad Bank's credit-card entry in its Domestic Schemes (archived 15-Jun-2002) — the admission and annual fees, the income bar, the merchant count, the cash facility and the air-accident cover
- official Allahabad Bank's Citizens' Charter entry for the card (archived 13-Aug-2004) — the one document that gives it its name, and confirms the automatic renewal
- official Allahabad Bank's American Express co-brand write-up (archived 12-May-2015) — cited for what it shows about the bank's OTHER credit card, the one on somebody else's licence