IOB VISA Signature Credit Card
KeepIOB's top Visa card, priced at ₹750 and documented everywhere except the part that says what it earns.
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
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 Indian Overseas 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 #246
Why #246 Carried, not ranked, for the same reason as its Platinum sibling: IOB states the fee and the perks but publishes no accrual rate at all — "Attractive Reward Points from Nth Rewards", full stop. A rate we cannot source is a rate we do not print.
The take
This is the top of Indian Overseas Bank's Visa range — the bank calls it its "Super Premium Variant" and sets its limit band at ₹2,70,001 to ₹5,00,000 — and it is a useful illustration of how thin PSU credit-card disclosure still is. The fee is ₹750 plus GST, waived once ₹1,00,000 goes through the card in a year, which is a low enough bar that most holders will never pay it. The benefits are stated properly: 24×7 concierge, access to Visa's golf services, discounted airport immigration and car rental, emergency card replacement and emergency cash abroad, 50% off up to ₹300 on a minimum booking of two BookMyShow tickets, ₹10 lakh of personal accident cover, and everything Visa Platinum gets as well. Foreign spending costs 2.50%, a full point below what most Indian issuers charge, which quietly makes this one of the cheaper PSU cards to carry overseas. And then the earn: "Attractive Reward Points from Nth Rewards." That is the entire sentence. No rate, no cap, no redemption value, and nothing in the MITC to fill the hole — a hole IOB does not leave on its RuPay cards, all three of which state points per rupee and a paise-per-point value on the same web page. So we carry the card, publish the fee and the perks, and refuse to rank it. Note also what is NOT here: lounge access. IOB grants lounge visits only on RuPay Platinum and RuPay Select, and a Visa Signature badge is not an entitlement.
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
Indian Overseas 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
- ₹750 + GST a year, waived once annual spend passes ₹1,00,000
- Foreign currency fee 2.50% — a point below India's 3.5% norm
- 24×7 concierge and access to Visa's golf services
- Discounted airport immigration services and car rental, plus emergency card replacement and emergency cash disbursement
- 50% off up to ₹300 on a minimum booking of two BookMyShow movie tickets
- Every Visa Platinum offer applies to this card as well, per IOB
- Personal accident insurance cover of up to ₹10 lakh
- Published credit-limit band of ₹2,70,001–₹5,00,000
Watch out
- IOB publishes NO reward rate for this card — the whole earn statement is 'Attractive Reward Points from Nth Rewards'
- This card is absent from the MITC's own joining/annual fee table; the product page is the only document that prices it
- No lounge access — a Visa Signature badge is not a lounge entitlement, and IOB names only RuPay Platinum and RuPay Select in its lounge block
- Interest is 2.50% a month, 30% a year, compounding monthly
- Late payment is a flat ₹100, charged 3 days after the due date
- Cash advances cost 2.25% (₹22.50 per ₹1,000) and accrue interest from the withdrawal date
What these points actually fly
Indian Overseas 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 →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,00,000 a year is the bar that waives the ₹750 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Indian Overseas Bank states what the IOB VISA Signature Credit Card earns, but has not published which spend categories count toward the fee waiver — the ₹1,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Branch-and-portal sold by Indian Overseas Bank on its own licence. The published income floor is ₹15,000 a month net for a salaried applicant or ₹3,00,000 of gross annual income if self-employed, with a CIBIL score of 700 or above for the international card; applicants below either bar can take a secured card against a term deposit at 90% of the principal. The limit band for this variant is ₹2,70,001 to ₹5,00,000, so the card is effectively assigned by the limit IOB underwrites you for rather than chosen off a shelf.
per the official Indian Overseas Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
AMC ₹750 + GST, waived if annual spend exceeds ₹1,00,000 — from IOB's product page, because the MITC's §2(a) fee table does not list the Visa Signature variant. IOB publishes NO reward rate for it: the entire earn statement is "Attractive Reward Points from Nth Rewards", so the card is carried without a valued earn rate. Documented benefits are 24×7 concierge, Visa golf services, discounted airport immigration and car rental, emergency card replacement and emergency cash disbursement, 50% off up to ₹300 on a minimum booking of two BookMyShow tickets, ₹10 lakh personal accident cover, and every Visa Platinum offer as well. NO lounge access — IOB names only RuPay Platinum and RuPay Select in its lounge block, and a Visa Signature badge is not an entitlement. Fuel-surcharge waiver 1% on ₹400–₹5,000, maximum ₹250 per billing cycle. Card replacement ₹100 + GST, PIN replacement NIL, interest-free 20–50 days, minimum due 10% of billed transactions plus interest and charges, floor ₹100. Credit-limit band ₹2,70,001–₹5,00,000. CIBIL 700+ for the international card; a secured card at 90% of a term deposit is the fallback below the bar.
per the official Indian Overseas Bank MITC · reviewed 10 Jul 2026
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 Indian Overseas 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 — 2 of them, each with the day we read it
- official IOB Credit Cards — "Signature AMC Rs 750+GST; If total annual spending from the card exceeds INR 1,00,000, then the AMC is waived off", plus the Visa services and limit band
- official IOB Most Important Terms and Conditions — forex 2.50%, interest 2.50%/month (30% a year), late payment ₹100, over-limit ₹100