IB-RuPAY-Classic
A RuPay card with no joining fee and a ₹250 annual fee from the second year (waived after ₹50,000 of spend in the previous year); it has no reward programme or lounge access. Every figure below is copied from Indian Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-21.
Not on record from an official document: foreign-currency markup; a base reward rate for other spends. CardWise does not estimate these.
Fees and charges
| Joining fee | Nil MITC |
|---|---|
| Annual fee | ₹250 plus GST MITC |
| Annual fee waiver | On ₹50,000 of spend in the year MITC |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| The ₹250 annual fee is charged from the second year and waived if the previous year's spend exceeds ₹50,000. Fuel purchases carry a surcharge of 2.5% (minimum ₹10); no surcharge waiver is stated. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|
Indian Bank's card features sheet says this card does not include a reward points programme.
Benefits
- Lounges: none on record
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by Indian Bank in the documents read
- a foreign-currency mark-up (the schedule of charges shows it as not applicable to this card)
- eligibility criteria
- a welcome benefit
- whether the RuPay card can be linked to UPI
Where Indian Bank’s documents differ, and what is used
- Rewards: the features sheet says this card has no reward programme; a later image-only poster on the bank's site ("Get rewards for every spent with IB credit card") offers cashback on IB credit card spends without naming the variants. No reward is modelled.
The quotes behind the figures
13 figures, each copied from an official Indian Bank document.
Show every quote and source
“No Joining Fee for primary cardholder and add-on cardholder/s.”
“ii. VISA-Gold, VISA-Platinum cards, Visa/ RuPay Classic, RuPay Platinum and RuPay Select Cards: 1st year free, from 2nd year onwards: Rs.250 p.a.”
“If the transaction usage in the previous year exceeds Rs. 50,000/- p.a. in Select/Platinum/Gold/Classic VISA and RuPay Card.”
“Accidental Insurance Claim-Rupay | Application Form”
“Joining Fee-Nil”
“AMC: No AMC for 1st year. 2nd year onwards Rs.250/- (Conditional waiver)”
“Foreign Currency Txn. Fee Conversion Mark up 3% N A”
“VISA Bharat & RuPay Classic”
“Petrol and all products / services offered at petrol pumps at Rs.10/- or 2.5% of transaction amount whichever is higher.”
“Reward Points: This card does not include a reward points program.”
“Airport Lounge Access: This card does not include Lounge Access.”
“I wish to apply for Rupay Credit Card Classic Platinum Select Visa Credit Card Bharat Gold Platinum”
“IB-RuPAY-Classic A credit card that brings you great deals and exclusive merchant offers.”
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