None.
- 1 reward point for every INR 100 you spend on all eligible purchases.
- 1 RP= INR 0.20.
- General Cashback Rate: 0.20%.
None.
Free personal accident cover Free baggage insurance, Free purchase protection insurance.
None.
Indian Overseas Bank Credit Card Gold
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
- 1 reward point for every INR 100 you spend on all eligible purchases.
- 1 RP= INR 0.20.
- General Cashback Rate: 0.20%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Free personal accident cover Free baggage insurance, Free purchase protection insurance.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
None.
Cashback Rate
- 1 reward point for every INR 100 you spend on all eligible purchases.
- 1 RP= INR 0.20.
- General Cashback Rate: 0.20%.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Free personal accident cover Free baggage insurance, Free purchase protection insurance.
Lounge Access
None.
Fees & Charges of
Indian Overseas Bank Credit Card Gold
Joining Fee
NIL,
Annual Fee
Nil
Cash Advance Fee
Cash advance fee: 2.25% or Rs. 22.50 per Rs. 1000/-
Interest rate
Interest Rate: 30% p.a.
Late Payment Fee
Late payment fee: Rs. 100/- after 3 days from the due date
Foreign Currency Transactions Fee
Foreign currency transaction fee: 3.5% of the transaction amount
Other Fees
Fuel surcharge: 1.00% or Rs. 10.00 per Rs. 1000/- | Over limit charges: Rs. 100/-
Joining Fee
NIL,
Annual Fee
Nil
Cash Advance Fee
2.5% or the transacted amount or Rs. 300 (whichever is higher).
Interest rate
Interest Rate: 30% p.a.
Late Payment Fee
Late payment fee: Rs. 100/- after 3 days from the due date
Foreign Currency Transactions Fee
Foreign currency transaction fee: 3.5% of the transaction amount
Other Fees
Fuel surcharge: 1.00% or Rs. 10.00 per Rs. 1000/- | Over limit charges: Rs. 100/-
Fee and Charges of
Indian Overseas Bank Credit Card Gold
Special Features
None
Eligibility Criteria
Above 18.Any IOB Customer NRI can apply for credit card. Applicants who are NRI and holding Indian passport are also eligible for credit cards Minimum CIBIL score for applying credit card is 650.
Speical Feature, Eligibility and Benefits of
Indian Overseas Bank Credit Card Gold
How to apply for Credit Card?
- Visit the Indian Overseas Bank website and click on the "Apply for Credit Card" tab.
- Select the "Credit Card Gold" option.
- Enter your personal details, such as your name, address, and contact information.
- Enter your employment details, such as your employer's name and address.
- Enter your income details.
- Upload a scanned copy of your ID proof and address proof.
- Submit your application.
- A bank representative will contact you to verify your details and approve your application.
- Once your application is approved, you will receive your credit card in the mail.
Contact Details
Customer Care (toll free) 18004257744
Account Opening and Procedure of
Indian Overseas Bank Credit Card Gold
Product Review of
Indian Overseas Bank Credit Card Gold
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
The credit card comes with low cashback rate. The value add features offered by the card are also limited
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
Indian Overseas Bank Credit Card Gold
The credit card comes with low cashback rate. The value add features offered by the card are also limited
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
About this content
Public source: Original MyRupaya page
Captured 2026-11-06T10:56:24Z. Public page text has been preserved and restyled. Historical financial/product information may be outdated. Embedded widgets and forms are not copied or connected to live services.
