cards / credit / indian bank / indianbank-rupay-select-credit-card
INDIANBANK
6076 •••• •••• ••••
YOUR NAME HERE
RuPay
↑ Your name appears embossed when you sign in.
§ BENEFITS
cashback
Lifetime Free Card
No joining fee and no annual fee for the lifetime of the card
Lifetime free
utility
UPI Enabled
Link your RuPay credit card with UPI apps like GPay, PhonePe, Paytm for seamless digital payments
UPI enabled
cashback
Lowest Interest Rate
Enjoy the lowest revolving interest rate of 1.79% per month (21.48% p.a.) among credit cards
1.79% per month
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹60,000
- Min monthly salary
- —
- Age
- 18 – 60
- Min credit score
- 600
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- APR (monthly)
- 1.79% p.m.
- APR (annual)
- 21.48% p.a.
- Late payment fee
- ₹600
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 45 days
- Min due
- 5%
† Nil
† Nil
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 5
- Own bank charge
- ₹200
- Other bank free / month
- 3
- Other bank charge
- ₹200
- International withdrawal
- —
- Cash advance fee
- 2.5%
† min ₹500
§ TRANSACTIONS
- Currency markup
- —
- DCC fee
- —
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- —
- Physical statement
- ₹50
§ FUEL
- Fuel waiver
- Not available
§ LIMITS
- ATM / day
- ₹25,000
- POS + e-com / day
- ₹1,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹20,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- RuPay Reward Points
- Earn rate
- 1 RP per Rs 100 on all spends
- Point value
- ₹0.2
- Effective cashback
- 0.20%
- Min redemption
- 500 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- Not available
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Indian Bank and earns no commission on applications.