Last Updated on 20/01/2018
Credit Card

Credit Card 123

Bank in association with VISA has introduced Visa International Credit Card in order to pay the expenses for shopping, dining, travelling etc. The customers can also use the card for drawing cash from any of the IOB’s InstaCash ATM and all the ATMs that display the VISA logo. Our Bank is issuing two types of cards i.e IOB Gold & IOB Classic. Interest charged is 24% per annum (annuualised). The minimum card limit is Rs. 10,000 and the maximum credit limit is fixed at Rs. 5 lacs.


  • Worldwide acceptance – 24 million outlets across the globe and 6,50,000 outlets in India.
  • Customers can use the cards not only for PoS/Ecom, but also for withdrawing cash.
  • Apart from the primary card, customers can take upto four Add-on cards.
  • Card holders have the facility of flexible payment. In this option they have to pay only the minimum due amount (instead of total due) as given in the monthly billing statement.
  • Earn reward points for using your IOB Credit card at PoS/Ecom.
  • Also make payments of your Credit card dues through your IOB Internet Banking.
  • SMS alerts for each transaction done by the card holder.

Credit Card Credit Card

User Manual for Credit Card

User Manual (Click here)

Application Form for Credit Card

Visa Card Application Form (Click here)

Contact Details

Grievance Redressal Officer

(For Complaints Relating to Credit Cards)

Monthly Statements

Customer Care (toll free) 18004257744


(Chief Manager)

Phone: 044-71729701


Credit Card Division: 044-28519573/9574/9575

Fair Practice Code For Credit Card Operations

Fair Practice Code (Click here)