Classic Credit Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
Classic Credit Card
Bank Name :
Indian Overseas Bank
प्रकार
Rewards Credit Card
ब्याज दर
2.50% per month [30% per annum].
पात्रता
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.
पेशेवरों
Reward System: Users will be awarded 1 reward point for every Rs. 100 spent on all eligible purchases. The value of 1 RP= 0.20 Paisa. Effective cashback rate: 0.20%.
Personal accident insurance coverage.
Baggage insurance and purchase protection.
दोष
No welcome benefit.
Limited offers and rewards.
No airport lounge access facility is available.
पक्ष विपक्ष
Welcome Benefits
None
पुरस्कार प्रणाली
Users will be awarded 1 reward point for every Rs. 100 spent on all eligible purchases. The value of 1 RP= 0.20 Paisa. Effective cashback rate: 0.20%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
IFM- 2.50% on international transactions.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
None
Eligibility Criteria
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.
फ़ायदे
Accident coverage.
Baggage and purchase protection
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Go to the IOB website and click on the "Apply for Credit Card" tab.
Select the "Classic" card from the list of cards.
Enter your personal details, such as your name, address, and contact information.
Enter your income and employment details.
Upload a copy of your PAN card and identity proof.
Submit your application.
The required documents for applying for an Indian Overseas Bank Credit Card Classic are: PAN card Identity proof (such as passport, driving license, or voter ID card) Proof of address (such as electricity bill or bank statement) Income proof (such as salary slip or IT return)
सम्पर्क करने का विवरण
Customer Care (toll free)
18004257744
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward System: Users will be awarded 1 reward point for every Rs. 100 spent on all eligible purchases. The value of 1 RP= 0.20 Paisa. Effective cashback rate: 0.20%.
Personal accident insurance coverage.
Baggage insurance and purchase protection.
No welcome benefit.
Limited offers and rewards.
No airport lounge access facility is available.
IOB Classic Credit Card is designed for people who want the best of things that life has to offer. For people who are looking for freedom from paper money, IOB Classic Credit Card is the best choice. With credit limit up to Rs. 5 lakhs, IOB Classic Credit Card will empower you with a greater purchase power. This credit card can be used to make transactions at merchant Point of Sale and also to withdraw cash from any ATM across the country. IOB Classic Credit Card comes with affordable fees and charges and cardholders can avail up to 4 add-on cards. IOB Classic Credit Card will open up a new world of enhanced privileges, enviable offers and the benefit of hassle-free banking transactions
Classic Credit Card Indian Overseas Bank
Abhijeet Saxena
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
उत्पाद समीक्षा
फीस एवं प्रभार
Joining Fee-NIL, Annual fee: None
Cash advance fee: 2.25% or Rs. 22.50 per Rs. 1000/-
Foreign currency transaction fee: 3.5% of the transaction amount
Fuel surcharge: 1.00% or Rs. 10.00 per Rs. 1000/-
Over limit charges: Rs. 100/-
Late payment fee: Rs. 100/- after 3 days from the due date
Interest Rate: 30% p.a.
ईंधन अधिशुक्ल
1.00% or Rs.10.00 per 1000/-
Billing Cycle
30 Days