Top Indian Overseas Credit Cards
Minimum Income Required
|Indian Overseas Gold Credit Card||No Fees||Shopping, lifestyle||Need a Stable Income Source|
|Indian Overseas Classic Credit Card||No Fees||Shopping, lifestyle||Need a Stable Income Source|
Credit Cards Types of Credit Cards offered by Indian Overseas
Indian Overseas Bank provides credit cards under one category. Indian Overseas Credit cards come under the following category.
Lifestyle Credit Cards from Indian Overseas
The customers can use these cards to pay the expenses for shopping, dining, travelling, etc. Each card offers many different benefits and advantages too.
Indian Overseas Credit Cards Eligibility
The eligibility criteria required for Indian Overseas Credit Cards are as follows:
- The minimum age of the applicant should be 18 years.
- The maximum age of the applicant should be 60 years.
- The applicant must have a stable source of income.
- The applicant should be a resident of India.
Indian Overseas Bank Credit Cards Fees and Charges
The table given below shows the fees and charges associated with Indian Overseas Bank Credit Card:
|Annual Fee||Nil (for the non-photo card)|
|Rs. 100 for photo card|
|Card Replacement Fee||Rs. 100|
|Duplicate Statement Fee||Rs. 50|
|Original Charge Slip Fee||Rs. 300|
|Late Fee||Rs. 100|
|Finance Charges (on revolving credit)||24% per annum|
|Cash Advance Fee||Rs. 22.50 per Rs. 1,000/- or part thereof|
|Interest Rate on Cash Advance||24% p.a. from withdrawal date till settlement date|
|Cash Withdrawal Charges from other bank ATMs||Rs. 100/- per withdrawal|
|Rs. 20/- per balance enquiry|
|Foreign Exchange Mark-up Fee||2.50%|
Indian Overseas Credit Cards Documents Required
While applying for a credit card, the applicant needs to submit some documents to the bank to support your application. The bank will thus verify these documents and will issue the credit card. The below table shows the documents which are required for Indian Overseas Credit Cards.
Indian Overseas Bank Credit Cards Offers
Credit cards have been ingrained in our culture. In the market for various forms of credit cards, we are spoiled for options. With so many credit card deals available, it has become a popular method of financial transaction payment. One can take advantage of a variety of credit card benefits. It is quickly becoming a valuable financial asset in our lives.
The majority of major credit card companies have partnerships with luxury brands, merchandise partners, exclusive dining, travel & hotel privileges, movie tickets, and cashback. Credit cards extend credit and thereby assist us in managing our financial needs in the interim.
Indian Overseas Bank Credit Cards Rewards
Customers are given reward points for every transaction they make with an Indian Overseas Bank credit card. The reward points will be credited directly to the cardholder’s account, and the customer will be able to use them to buy an item or convert them to cash. The credit card reward points scheme’s terms and conditions are subject to change; contact IOB for more information on the new reward scheme.
Why Choose Indian Overseas Bank Credit Cards?
IOB Credit Cards come with a slew of perks that are tailored to make customers’ shopping experiences more enjoyable and satisfying. Cardholders can receive reward points for every transaction they make. IOB Credit Cards are accepted in over a million merchant establishments around the world. Up to four additional cards for family members are available to cardholders. Customers of Indian Overseas Bank have the option of choosing between the IOB Gold Credit Card and the IOB Classic Credit Card.
Indian Overseas Bank Credit Card Customer Care Service
The contact details of IOB Customer Care are mentioned below. You can contact the bank for any credit card related complaint or query. Dial 18004257744 (Toll-Free)
Contact Dialabank at 9878981166 for an easier application process.
How to check Indian Overseas Bank Credit Card Status?
The IOB has launched a simple process to monitor your credit card application status online to make the banking process easier. To search the IOB credit card application online, follow the steps below.
You should go to the bank’s official website. You can go to the bank’s credit card site. You can check the status of your credit card application by entering your application reference number, application form number, telephone number, or date of birth.
Indian Overseas Bank Credit Cards – How to apply
You have online mode as well as offline mode available to apply for a credit card. Thus the customer can choose any mode comfortable for them. More details about the application process are given below.
How to apply offline?
The offline mode of application is available for the customers to apply for a credit card. The customer can visit the bank branch personally and submit the application.
- Visit Dialabank website.
- There is a simple form given at the top of the page.
- Fill in the details like name, contact number, salary, etc in the form.
- Click on the request quote.
- Wait for some time, our representative will get in touch with you and will provide you with more details and offers.
- Get a credit card from the bank.
You may get our guidance and help throughout the process of application. Also, you can get the best offers and options with Dialabank.
How to Apply Online?
You can also apply for a credit card by visiting the bank branch. What you have to do is,
- Find the nearest Indian Overseas Bank branch from google.
- Visit the bank Branch
- Get more information about credit cards from the officers.
- Apply for a credit card.
- Submit the required documents and get the credit card.
Detailed Features and Benefits of Indian Oversea Credit Cards
Given below is the details about the Credit cards offered by Indian Overseas bank, features, and benefits. Find more from the tables.
Indian Overseas Gold Credit Card
|Indian Overseas Gold Credit Card|
|Key Highlights||Indian Overseas Gold credit card can be used anywhere across the globe – it has 24 million outlets across the globe and 6,50,000 outlets in India.|
|Joining Fee||NO fees (100 rupees for a photo card)|
|Renewal Fee||No fees|
|Suitable for||Pay the expenses for shopping, dining, traveling, etc.|
|Features and benefit||
Indian Overseas Classic Credit Card
|Indian Overseas Classic Credit Card|
|Key Highlights||This card is internationally accepted – it has 24 million outlets across the globe and 6,50,000 outlets in India.|
|Joining Fee||No Fees (100 rupees if it is a photo card)|
|Renewal Fee||No fees|
|Suitable for||Pay the expenses for shopping, dining, travelling, etc.|
|Features and benefit||
Terms and conditions may apply for redeeming the reward points the customer has earned.
FAQs on IOB Credit Card
✅ How long is the interest-free period on IOB Credit Cards?
The interest-free period provided is up to 50 days.
✅ What is the foreign exchange mark-up fee?
When you use your IOB credit card in a foreign country, this fee is applicable to the transaction amount. For IOB cards, the rate is 2.50%.
✅ How many add-on cards can I have on my IOB Credit Card?
You can have a maximum number of 4 add-on credit cards.
✅ What is the charge for a photo card?
Indian Overseas Bank offers the facility of customizing your credit card with a photo. If you choose a photo card, you will have to pay an issuance fee of Rs.100.
✅ Are IOB credit cardholders offered any insurance benefits?
|Insurance for / Member||Primary Cardholder||Spouse|
|Personal accident insurance covering death due to Air Crash||Rs. 10 lacs for IOB Gold Credit Cardholders Rs. 4 lacs for IOB Classic Credit Cardholders||Rs. 2 lacs for both IOB Gold and IOB Classic Credit Card|
|Personal accident insurance covering death due to road/rail||Rs. 2 lacs||Rs. 1 lacs|
|Baggage Insurance||Rs. 0.25 lacs||–|
|Purchase Protection||Rs. 0.25 lacs||–|
✅ Are there any transaction limits for IOB Credit Cards?
|Purchase at Jewelry shops||50% of Credit Limit|
|Per day Ceiling Cash through ATM||Rs 15,000 /- for IOB Classic Credit Card Rs 25, 000 /- for IOB Gold Credit Card|
|Cash Withdrawal||40% of Credit Limit|
|All transactions||50% of the Credit limit|
News for Indian Overseas Bank
|HSBC Advance Visa Platinum Credit Card||HSBC Cashback Credit Card|
|HDFC Titanium Edge Credit Card||HSBC Bank Loan On Credit Card|
|HSBC Bank Credit Cards||HSBC Visa Platinum Credit Card|
|HSBC Smart Value Credit Card||HSBC Premier Mastercard Credit Card|
Table of Contents
- 1 Top Indian Overseas Credit Cards
- 2 Credit Cards Types of Credit Cards offered by Indian Overseas
- 3 Indian Overseas Credit Cards Eligibility
- 4 Indian Overseas Bank Credit Cards Fees and Charges
- 5 Indian Overseas Credit Cards Documents Required
- 6 Indian Overseas Bank Credit Cards Offers
- 7 Indian Overseas Bank Credit Cards Rewards
- 8 Why Choose Indian Overseas Bank Credit Cards?
- 9 Indian Overseas Bank Credit Card Customer Care Service
- 10 How to check Indian Overseas Bank Credit Card Status?
- 11 Indian Overseas Bank Credit Cards – How to apply
- 12 How to apply offline?
- 13 How to Apply Online?
- 14 Detailed Features and Benefits of Indian Oversea Credit Cards
- 15 FAQs on IOB Credit Card
- 15.1 ✅ How long is the interest-free period on IOB Credit Cards?
- 15.2 ✅ What is the foreign exchange mark-up fee?
- 15.3 ✅ How many add-on cards can I have on my IOB Credit Card?
- 15.4 ✅ What is the charge for a photo card?
- 15.5 ✅ Are IOB credit cardholders offered any insurance benefits?
- 15.6 ✅ Are there any transaction limits for IOB Credit Cards?
- 16 News for Indian Overseas Bank