Credit Card Gold
Rewards & Benefits
Welcome Benefits
None
Milestone Benefits
Cashback Rate
1 reward point for every Rs. 100 you spend on all eligible purchases.
1 RP= 0.20 Paisa. Effective cashback rate: 0.20%.
Movie Benefits
Dining Benefits
Other Benefits
Personal accident cover and other protections are provided with this card.; Other Benefits: Personal Accident insurance cover, Baggage insurance, Purchase insurance.
Lounge Access
Fees & Charges
Joining Fee
NIL,
Annual Fee
Cash Advance Fee
Cash advance fee: 2.25% or Rs. 22.50 per Rs. 1000/-
Interest rate
2.50% per month [30% per annum].
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/-
दोष
No welcome benefit.
Limited offers and rewards.
No airport lounge access facility is available.
Reward System: Users will get 1 reward point for every Rs. 100 you spend on all eligible purchases. 1 RP= 0.20 Paisa. Effective cashback rate: 0.20%.
Other Benefits: Personal Accident insurance cover, Baggage insurance, Purchase insurance.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
Customer Care (toll free)
18004257744
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Reward System: Users will get 1 reward point for every Rs. 100 you spend on all eligible purchases. 1 RP= 0.20 Paisa. Effective cashback rate: 0.20%.
Other Benefits: Personal Accident insurance cover, Baggage insurance, Purchase insurance.
No welcome benefit.
Limited offers and rewards.
No airport lounge access facility is available.
Enjoy marvelous privileges and convenience over purchases with the Gold Credit Card offered by Indian Overseas Bank. It is a superior credit card which is tailor-made to cater diverse banking needs of the customers. Interestingly, the card includes a special range of features, which is considered the best when it comes to shopping and travel. Furthermore, Gold Credit Card would match the lifestyle of the cardholder by presenting a good selection of quality advantages such as reward points, affordable interest, larger credit limit and global recognition.
Enjoy marvelous privileges and convenience over purchases with the Gold Credit Card offered by Indian Overseas Bank. It is a superior credit card which is tailor-made to cater diverse banking needs of the customers. Interestingly, the card includes a special range of features, which is considered the best when it comes to shopping and travel. Furthermore, Gold Credit Card would match the lifestyle of the cardholder by presenting a good selection of quality advantages such as reward points, affordable interest, larger credit limit and global recognition.
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
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ईंधन अधिशुक्ल
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Billing Cycle
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