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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
Application form for Credit Card

PDF File that opens in a new window
Contact details 

Customer care(toll free)

Credit card division:
Grievance Redressal Officer 
(for complaints relating to credit cards) 

Tel: 044-71729701
Monthly statements 

Fair Practice Code For Credit Card Operations Fair practice code(36.9kb)PDF File that opens in a new window