IOB RuPay EKAA Super Premium Card
IOB's first super-premium card: a page of hotel memberships, and not a word about the fee.
Not valuedno published earn rate to price
Our verdict: keep (ranked #231)
Indian Overseas Bank has put a card on RuPay's top EKAA tier and reserved it for its Ultra HNI customers, and the page it published is almost entirely the network's benefit programme.
Our full review 8 good · 6 bad
That programme is real and specific: a twelve-month Club Marriott membership, a twelve-month HoteLux Elite Plus membership, a twelve-month ALL Accor Gold membership with a complimentary night voucher, a third night free on two paid at ITC's premium hotels and at The Postcard Hotel, 1+1 ITC buffets and spa sessions, four complimentary domestic golf rounds or lessons a year, MakeMyTrip flight perks — one zero-cancellation booking, two free seat selections and two free meals a year — 15% off fast-track immigration and visa concierge, ₹50 lakh of personal accident cover and ₹1 crore of air accident cover. What IOB has not published is everything this site ranks on. There is no fee, no reward rate, no currency and no forex markup on the page, in the MITC or in the schedule of charges. The page says "Domestic and International Airport Lounge Access" and stops there — no network, no number of visits. Two of the panels are explicitly limited-time offers outside the card's core value, and two memberships only went live on 15 September 2026, with the MakeMyTrip benefits following on 15 October. If IOB invites you, ask for the fee schedule, the earn rate and the lounge quota in writing before you say yes.
What's good
- 12-month Club Marriott membership — up to 25% off dining and 20% off rooms at 70+ hotels in India
- 12-month HoteLux Elite Plus membership across 4,000+ luxury hotels
- 12-month ALL Accor Gold membership with a stay-plus-complimentary-night voucher and 15% off rooms
- Third night free on two paid nights at ITC premium hotels and at The Postcard Hotel
- Four complimentary domestic golf rounds or lessons a year
- MakeMyTrip: one zero-cancellation flight booking, two free seat selections and two free meals a year
- Personal accident cover ₹50 lakh, air accident cover ₹1 crore, purchase protection ₹2 lakh
- 15% off fast-track immigration and visa concierge through OneVasco, plus 24×7 concierge
Watch out
- IOB HAS PUBLISHED NO FEE FOR THIS CARD — not on the product page, not in its MITC, not in its schedule of charges — so it is carried without a price
- IOB HAS PUBLISHED NO EARN RATE EITHER, so the card is not ranked, not crowned and not in the calculator
- Lounge access is stated as 'Domestic and International Airport Lounge Access' with no network and no visit count — do not assume it is unlimited
- For IOB's Ultra HNI customers only — there is no public application route
- Most benefits are RuPay's EKAA programme, redeemed on RuPay's portal, not IOB's — the Club Marriott and Accor memberships went live on 15 September 2026 and the MakeMyTrip benefits on 15 October
- The EazyDiner Prime membership and the BookMyShow buy-one-get-one are marked limited-time offers, not part of the card's core value
Rewards
Indian Overseas Bank has not published what this card earns. Not zero: nothing stated either way. We can't value this card until the issuer publishes a fee schedule AND an earn table — we have neither number, so there is nothing to net off against nothing.
Category rules: not published. We have not found where this card earns less.
Fees & charges
Fee not published — no issuer document states one.
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.
We cannot work out a break-even without both the fee and the earn rate. What we can source is under Sources.
You hold this card.
Saved on this device only. Never sent to us.
Downgrade: Indian Overseas Bank publishes no card you can step down to, so we name none. That leaves keep or cancel.
Called to cancel? Tell us what the bank offered · Calendars of upcoming changes
All charges not published
Forex markup, interest and late fees: not published here yet. We have not copied this card's schedule of charges into our table; the documents we did read are under Sources.
Who can get it Invite only
| Rule | What the bank says |
|---|---|
| How you get it | Invite only |
| Income, salaried | not published |
| Income, self-employed | not published |
| Age | not published |
Not yet copied from the bank’s terms into our table.
Invite-only — there is no public application form. The bank calls you.
By invitation through your IOB relationship. The product page reserves the card "exclusively for Ultra High Net Worth Individual (Ultra HNI) customers of the Bank", IOB publishes no threshold for that tier, and neither of IOB's online credit-card funnels offers it.
Lounges
No lounge access: opens 0 of 792 lounges we track. Find a card that gets you in.
Welcome & milestones
Welcome bonus: none published.
Spend milestones: none published.
What changed
Nothing tracked for this card yet.
Alternatives
Why it ranks #231
Carried and not valued. IOB has published the benefits — hotel memberships, golf, travel services, insurance — and nothing that prices the card or says what it earns, so there is no number to rank it on.
Sources
Last checked . Every fact on this page comes from these 3 documents; the bank's own are marked official.
- Official IOB's product page — the Ultra HNI eligibility line and the benefit panels: hotel memberships, golf, MakeMyTrip, visa services, insurance and concierge read 3 Oct 2026
- Official IOB Credit Cards — links the EKAA page and repeats its benefit headings, with no fee or reward rate for it read 3 Oct 2026
- Official IOB Most Important Terms and Conditions — the fee table, which has no row for this card read 3 Oct 2026
Not published by Indian Overseas Bank: the annual fee; the earn rate and the points it earns. We show these as "not published", never as zero.
How we work out the yearly value
Not valued. We can't value this card until the issuer publishes a fee schedule AND an earn table — we have neither number, so there is nothing to net off against nothing. This card is not in our rankings, the calculator or the best-of lists until Indian Overseas Bank publishes terms we can cite.
Spotted something wrong? Tell us
Work out this card in the calculator