Last Updated on: 21/08/2023
✔ Limit Rs 10,000 to Rs.50,000
✔ Daily transaction limit 100% of Card Limit or available balance for POS & E-Com transactions.
✔ Daily Cash Withdrawal limit 40% of Card limit or available balance in card whichever is less.
✔ Interest free purchase available from 20 days to 50 days depending upon the date of purchase.
✔ IOB Credit Card awards cash back of Rs.0.20 per point for every Rs.100/- spent. The same is adjusted towards the monthly outstanding at the time of generation of bill.
✔ Lower rate of interest: 30% p.a. (Annualized).
✔ Baggage Insurance: Rs.25000/-
✔ Purchase Protection: Rs.25000/-
✔ Limit Rs 60,000 to Rs.5,00,000
Personal Accident Insurance Cover
✔ Personal Accident - Death due to Air crash
i) Self - 4.00 Lakh
ii) Spouse - 2.00 Lakh
✔ Personal Accident - Death due to Road / Rail
i) Self - 2.00 Lakh
ii) Spouse - 1.00 Lakh
✔ 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
✔ Maximum Eligible Amount based on Gross Income:
Rs.5000 -less than Rs.10000
Rs.10000
Rs.10000 - less than Rs.20000
Rs.25000
Rs.20000 - less than Rs.30000
Rs.50000
Rs.30000 - less than Rs.35000
Rs.60000
Rs.35000 - less than Rs.40000
Rs.75000
Rs.40000 - less than Rs.50000
Rs.100000
Rs.50000 - less than Rs.75000
Rs.150000
Rs.75000 - less than Rs.100000
Rs.200000
Rs.100000 - less than Rs.150000
Rs.300000
Rs.150000 - less than Rs.200000
Rs.400000
Rs.200000 and above
Rs.500000
Interest Rate: 30% per annum (annuualised)
Billing Cycle:
21st of a month to 20th of succeeding month
20th of every month
10th or 9th of subsequent month
Schedule of Charges - (Click here)
✔ Application Form for VISA Credit Card - (View)
✔ Most Important Terms & Conditions - (View)
✔ Explanation on SMA and NPA Accounts - (View)
✔ Schedule of Charges - (View)
✔ Frequently Asked Questions (FAQ) - (View)
✔ Fair Practice Code For Credit Card Operations - (View)
✔ Fare Price Code - (View)
✔ How to Activate the New IOB Credit Card? - (View)
✔ How to Make Monthly Payment of IOB Credit Card Bill? - (View)
✔ How to Enable the Domestic/ International Transaction and Daily Limit Settings in Customer Portal? - (View)
✔ How to Generate PIN for the New Credit Card? - (View)
Customer Care (Toll Free): 18004257744
Credit Card Division: 044-28519573/9574/9575
Bank Official: Shri Pinku Sabout (Chief Manager)
Phone: 044-71729701E-Mail: creditcard@iobnet.co.in
To Apply Online: (Click here)
Click to visit Credit Card Customer Portal