IB-VISA-Bharat
A Visa card for credit limits of ₹10,000 to ₹19,999 with no joining or annual fee and no reward programme; foreign-currency use is shown as not applicable. 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 | Nil MITC |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| No annual fee. 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
Also on this card
Quoted from Indian Bank; not counted in the net value.
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
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
14 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.”
“i. VISA-Bharat Cards: NIL.”
“Accidental Insurance Claim-Rupay | Application Form”
“Joining Fee-Nil”
“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.”
“Insurance claim shall be payable only when the eligible primary credit card is used at least once and a transaction has been carried out in the last 90 days from the date of accident.”
“Revolving Credit Limit: Rs. 10,000 to Rs. 19,999”
“Free Insurance Cover available to VISA Credit Cardholders: *Coverage Features Platinum & Gold Card Business Card Classic Card Bharat Card Insurance cover for Sum Insured a. Death (100%) due to Air Accident Rs.5,00,000/- Rs.5,00,000/- Rs.2,00,000/- Rs.1,00,000 /-”
“f. Purchase protection cover Rs.25,000/- Rs.25,000/- Rs.10,000/- Rs.10,000/-”
“I wish to apply for Rupay Credit Card Classic Platinum Select Visa Credit Card Bharat Gold Platinum”
“IB-VISA-Bharat A light card for the basic , shopping, travelling or dining experience.”
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