Credit cards

Indian Bank Visa Bharat Credit Card

Entry-level Visa card with ₹10,000–₹19,999 revolving limit, 25% cash limit and no reward programme or facility.

CashbackNo product-level cashback rate is published for these Indian Bank variants; the official benefits sheet instead publishes rewards and card-network offers.RewardsNo reward-points programme.OffersVisa and RuPay network offers are linked from the official page; offer catalogue and eligibility can change by network and merchant.

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✓ Manually checked 31 Aug 2026 · active

Offered byIndian Bank

India

Key facts

What the official sources publish

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

Minimum incomeNot published on the reviewed Indian Bank credit-card catalogue, feature sheet or MITC; approval and limit are assessed by the issuer.View source

The official catalogue and linked publish card limits and charges but no numeric income threshold.

Source: Indian Bank credit-card income review
Page / section: Complete catalogue and linked documents
Accessed: 31 Aug 2026
Confidence: high

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EligibilityIndian Bank card applicants are subject to issuer assessment; Visa Business is for corporate/business entities and secured cards require a lien-marked term deposit. Numeric age and income rules are not published.View source

The page identifies business and secured-card segments but does not publish universal age or income thresholds.

Source: Indian Bank Credit Cards
Page / section: Card catalogue and secured-card note
Accessed: 31 Aug 2026
Confidence: high

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Forex markup3% foreign-currency transaction conversion markup for Visa Classic, Gold, Platinum, Business, Secure and RuPay Platinum, Select and Secure cards; not applicable to Visa Bharat and RuPay Classic in the MITC schedule.View source

The schedule lists 3% conversion markup and N/A for Visa Bharat and RuPay Classic.

Source: Most Important Terms & Conditions
Page / section: Schedule of charges — foreign currency transaction fee
Accessed: 31 Aug 2026
Confidence: high

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CashbackNo product-level cashback rate is published for these Indian Bank variants; the official benefits sheet instead publishes rewards and card-network offers.View source

The official card catalogue does not state a cashback percentage or cap.

Source: Indian Bank Credit Cards cashback review
Page / section: Complete catalogue and benefits sheet
Accessed: 31 Aug 2026
Confidence: high

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OffersVisa and RuPay network offers are linked from the official page; offer catalogue and eligibility can change by network and merchant.View source

Indian Bank links to the official Visa and RuPay offers pages.

Source: Indian Bank Credit Cards
Page / section: Visa Offers; RuPay Offers links
Accessed: 31 Aug 2026
Confidence: high

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Annual / renewal feeVisa Bharat: nil. Visa Gold/Platinum and RuPay Classic/Platinum/Select: first year free, ₹250 per year from year two, waived after ₹50,000 previous-year usage. Visa Business: ₹500 per year from year two, waived after ₹2,00,000 previous-year usage.View source

The publishes by variant and the spend-based waiver conditions.

Source: Most Important Terms & Conditions
Page / section: Fees and charges; waiver
Accessed: 31 Aug 2026
Confidence: high

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Fee waiverAnnual membership fee waived when prior-year usage exceeds ₹50,000 for Select, Platinum, Gold and Classic Visa/RuPay cards, or ₹2,00,000 for Visa Business; joining fee is nil.View source

The official catalogue states the two spend thresholds and no joining fee.

Source: Indian Bank Credit Cards
Page / section: Waiver of
Accessed: 31 Aug 2026
Confidence: high

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NetworkVisa Bharat, Visa Gold, Visa Platinum and Visa Business use Visa; RuPay Classic, RuPay Platinum and RuPay Select use RuPay.View source

The catalogue names each Visa and RuPay variant.

Source: Indian Bank Credit Cards
Page / section: Card titles and images
Accessed: 31 Aug 2026
Confidence: high

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APR21.48% per annum for purchases (1.79% per month); cash withdrawals are 1.99% per month / 23.88% annualised.View source

The feature sheet lists 1.79% monthly ; annualises purchase and cash rates.

Source: Credit Card Features and Benefits
Page / section: Page 1 — Visa Bharat
Accessed: 31 Aug 2026
Confidence: high

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Monthly finance charge1.79% per month on purchases and 1.99% per month on cash withdrawals.View source

The feature sheet publishes for purchases and cash limit terms.

Source: Credit Card Features and Benefits
Page / section: Page 1 — Visa Bharat
Accessed: 31 Aug 2026
Confidence: high

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RewardsNo reward-points programme.View source

The feature sheet explicitly says this card does not include reward points.

Source: Credit Card Features and Benefits
Page / section: Page 1 — Visa Bharat
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Lounge accessNot included in the published Visa Bharat feature sheet.View source

No lounge benefit is listed for Visa Bharat.

Source: Indian Bank Credit Cards
Page / section: Bharat card benefits
Accessed: 31 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

No joining or annual membership fee
25% of approved limit available as cash limit
15–45 days interest-free purchase period when the previous balance is paid in full

Eligibility

Age, income and approval criteria are not published on the reviewed catalogue; Indian Bank assesses applications.

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

Documents the bank lists

Credit-card application, and income documents requested by Indian Bank

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹895eight hundred ninety-five rupees

Balance after that interest₹50,895fifty thousand eight hundred ninety-five rupees

Monthly rate × 1221.48%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

VariantChoose column

Visa Bharat · Network / limitVisa; ₹10,000–₹19,999 revolving

This value is copied from Indian Bank credit cards — complete published variant table. Check the table notes before relying on it.

Source: Credit Card Features and Benefits; · Pages 1–2; pages 1–4 Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 7 rows · 8 columnsIndian Bank credit cards — complete published variant tableVariant limits, charges, rewards, lounge treatment, daily controls and common fees transcribed from the official feature sheet, MITC and catalogue.View tableHide table

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Indian Bank credit cards — complete published variant table
Variant	Network / limit	Cash limit	Purchase	Rewards		Lounge	Daily / / aggregate
Visa Bharat	Visa; ₹10,000–₹19,999 revolving	25%	1.79% monthly (21.48% annualised)	None	Nil	Not published	₹8,000 / ₹12,000 / ₹20,000
Visa Gold	Visa; ₹20,000–₹99,999 revolving	40%	1.99% monthly (23.88% annualised)	1 point per ₹100; point value ₹1	1st year free; then ₹250; waiver above ₹50,000 use	Not published	₹25,000 / ₹75,000 / ₹1,00,000
Visa Platinum	Visa; ₹1,00,000+ revolving	40%	1.66% monthly (19.92% annualised)	1 point per ₹100; point value ₹1	1st year free; then ₹250; waiver above ₹50,000 use	Lifestyle privileges; quota not published	₹50,000 / ₹1,50,000 / ₹2,00,000
Visa Business	Visa; limit as requested	40%	1.99% monthly (23.88% annualised)	1 point per ₹200; point value ₹1	₹500 from year two; waiver above ₹2,00,000 use	Not published	₹50,000 / ₹3,00,000 / ₹3,50,000
RuPay Classic	RuPay; ₹10,000–₹25,000 revolving	25%	1.99% monthly (23.88% annualised)	None	1st year free; then ₹250; waiver above ₹50,000 use	None	₹8,000 / ₹12,000 / ₹20,000
RuPay Platinum	RuPay; ₹25,001–₹1,99,000 revolving	40%	1.66% monthly (19.92% annualised)	1 point per ₹100; point value ₹1	1st year free; then ₹250; waiver above ₹50,000 use	Yes; quota not published	₹50,000 / ₹1,50,000 / ₹2,00,000
RuPay Select	RuPay; ₹2,00,000+ revolving	40%	1.66% monthly (19.92% annualised)	1 point per ₹100; point value ₹1	1st year free; then ₹250; waiver above ₹50,000 use	Yes; quota not published	₹50,000 / ₹1,50,000 / ₹2,00,000

Credit Card Features and Benefits; · Pages 1–2; pages 1–4 · accessed 31 Aug 2026Open official source ↗

Indian Bank Visa Bharat Credit Card

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Credit-card interest estimate

Find the exact published value

Complete rates, limits and schedules

Related products

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Indian Bank RuPay Classic Credit Card

Indian Bank RuPay Platinum Credit Card

Indian Bank RuPay Select Credit Card