Debit, prepaid, forex & payment services

Indian Bank RuPay Platinum Debit Card — Contactless

RuPay Platinum contactless card with ₹50,000 , ₹1,00,000 , ₹5,000 contactless limit and an offline wallet.

Product typeIndian Bank RuPay debit-card, contactless keychain or scheme-linked card variant; the product record identifies the exact variant and account segment.Annual maintenance chargeFirst-year AMC is free. From year two: senior citizen, visually challenged, SHG, RuPay KCC and RuPay PMJDY cards are free; Classic RuPay/IB DIGI and domestic Mastercard/e-purse ₹200; RuPay Platinum, international Mastercard and Visa Gold/Platinum ₹300; RuPay Select ₹1,000.Issuance feeThe current card-charge schedule publishes variant-dependent membership/issuance fees: Classic ₹150, Platinum ₹300, RuPay Select ₹1,000; replacement charges are ₹150 for Classic/Mastercard domestic and ₹250 for Platinum/Select. Scheme-linked cards may follow their account schedule.

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✓ Manually checked 31 Aug 2026 · active

Offered byIndian Bank

India; selected international use when enabled

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Product typeIndian Bank RuPay debit-card, contactless keychain or scheme-linked card variant; the product record identifies the exact variant and account segment.View source

The page lists each named RuPay variant and its intended account/customer segment.

Source: Debit Cards
Page / section: RuPay variants
Accessed: 31 Aug 2026
Confidence: high

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Issuance feeThe current card-charge schedule publishes variant-dependent membership/issuance fees: Classic ₹150, Platinum ₹300, RuPay Select ₹1,000; replacement charges are ₹150 for Classic/Mastercard domestic and ₹250 for Platinum/Select. Scheme-linked cards may follow their account schedule.View source

The service-charge schedule publishes membership and replacement amounts by card family.

Source: Indian Bank Card Service Charges
Page / section: Membership fee and replacement rows
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Annual maintenance chargeFirst-year AMC is free. From year two: senior citizen, visually challenged, SHG, RuPay KCC and RuPay PMJDY cards are free; Classic RuPay/IB DIGI and domestic Mastercard/e-purse ₹200; RuPay Platinum, international Mastercard and Visa Gold/Platinum ₹300; RuPay Select ₹1,000.View source

The schedule states first-year free and the second-year card-family amounts.

Source: Indian Bank Card Service Charges
Page / section: Annual Maintenance Charges row
Accessed: 31 Aug 2026
Confidence: high

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NetworkRuPay; international RuPay for the named International Platinum variant. NCMC wallet support applies to contactless RuPay variants marked NCMC.View source

The official page names RuPay, RuPay International and -supported contactless variants.

Source: Debit Cards
Page / section: RuPay variants
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Transaction limitsNamed variants publish their limits in the product summaries: Rupee Key contactless up to ₹5,000 without PIN; Platinum ₹50,000 ATM/₹1,00,000 POS; International Platinum ₹1,00,000 ATM/₹2,00,000 POS; Select ₹50,000 ATM/₹1,00,000 POS; Classic NCMC ₹25,000/₹25,000; IB DIGI ₹10,000/₹10,000; senior ₹25,000/₹50,000; PMJDY ₹25,000/₹25,000; KMUT ₹10,000/₹10,000; Kisan ₹10,000/₹15,000; MUDRA ₹10,000/₹10,000.View source

The official page publishes , and contactless limits alongside each named variant.

Source: Debit Cards
Page / section: All variant limit rows
Accessed: 31 Aug 2026
Confidence: high

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International transaction markupThe card schedule publishes a 3% markup on international POS/e-commerce transactions on debit and credit cards, excluding any product-specific change notified later.View source

The service-charge schedule states 3% of transaction amount for international /e-commerce.

Source: Indian Bank Card Service Charges
Page / section: International /E-com markup
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Geographic useDomestic India use is enabled at issue; international use is available only on international variants and can be enabled or disabled through Internet Banking, IndSMART or the branch. NCMC variants work at participating offline transit/merchant locations.View source

The page explains domestic default enablement, optional international enablement and use.

Source: Debit Cards
Page / section: Usage and enablement;
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹50,000 and ₹1,00,000 limit
Contactless up to ₹5,000; tap-and-go wallet
accidental-death insurance and partner offers; no complimentary lounge from 1 April 2026

Eligibility

Issued to eligible Indian Bank account holders under the card schedule.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Indian Bank account and debit-card request

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Product familyChoose column

RuPay Key · Network / use add-on

This value is copied from Indian Bank debit and prepaid card variants — published terms. Check the table notes before relying on it.

Source: Indian Bank Debit Cards and Prepaid Cards · All named card variants and current charge schedules Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 5 columnsIndian Bank debit and prepaid card variants — published termsView tableHide table

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Indian Bank debit and prepaid card variants — published terms
Product family	Network / use	Limits	Fees	Key restrictions or benefits
RuPay Key	add-on	Contactless up to ₹5,000 without	Variant schedule	App enable/disable; add-on keychain
RuPay Platinum contact/contactless	RuPay; domestic	₹50,000 ; ₹1,00,000 ; contactless ₹5,000 on contactless	₹300 membership; ₹300 from year two	insurance/offers; no complimentary lounge from 1 Apr 2026
RuPay International Platinum	RuPay International	₹1,00,000 ; ₹2,00,000	₹300 membership/ from year two	Selected-country use; no complimentary lounge from 1 Apr 2026
RuPay Select	RuPay Select;	₹50,000 ; ₹1,00,000 ; contactless ₹5,000	₹1,000 membership/ from year two	₹10 lakh accident cover; quarterly lounge after ₹5,000 prior-quarter spend; lifestyle benefits
RuPay Classic/ and IB DIGI	RuPay; India	Classic ₹25,000/₹25,000; IB DIGI ₹10,000/₹10,000	₹150 membership or ₹200 from year two	wallet where contactless; no insurance/lounges
PMJDY / senior / KMUT / Kisan /	RuPay scheme cards	₹10,000–₹25,000 / by variant	Scheme and account schedule; PMJDY/senior/Kisan nil	Scheme eligibility; no complimentary lounge on named variants
Mastercard World/World Platinum	Mastercard; international	₹50,000 ; ₹1,00,000 /online; contactless ₹5,000 on Platinum	₹300 membership/ from year two	World Platinum international acceptance; no complimentary lounge from 8 Feb 2026
Mastercard E-purse	Mastercard wallet	Separate numeric daily limit not published	Domestic Mastercard/e-purse ₹200 from year two	Gift/allowance budgeting; Internet Banking/IndSMART funding
CAB / reloadable prepaid	General-purpose reloadable	Full ₹2,00,000; minimum ₹10,000 balance and monthly load/use	₹85 + physical; virtual nil; annual nil	//e-commerce/mass transit; individuals/corporates
RuPay Gift Card	RuPay prepaid	Up to ₹10,000 value	₹85 + physical; virtual nil; annual nil	Merchant and e-commerce use; app/portal linking
Zero- / Singara Chennai	RuPay transit	₹2,000 balance	₹50 + issuance; annual nil	Offline metro/bus/rail/toll/parking only; no / purchase/online; Singara Chennai in Chennai

Indian Bank Debit Cards and Prepaid Cards · All named card variants and current charge schedules · accessed 31 Aug 2026Open official source ↗

Indian Bank RuPay Platinum Debit Card — Contactless

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

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Complete rates, limits and schedules

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