Indian Overseas Bank Credit Cards

Top Indian Overseas Credit Cards 

Name	Annual Fee	Category	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.

Apply for an Indian Overseas Gold Credit card

Apply for an Indian Overseas Classic Credit Card

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:

Fee/Charge	Amount/Rate
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.

Address Proof	Identity Proof	Income Proof
Aadhaar card Driver’s License Passport Ration Card job card issued by NREGA	PAN Card Aadhaar card Driver’s License Passport Voter’s ID	Latest one or 2 salary slips (not more than 3 months old) Form 16 Last 3 months’ bank statement Audited financials for the last two years (for self-employed)

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
Joining Bonus	NIL
Suitable for	Pay the expenses for shopping, dining, traveling, etc.
Features and benefit	Customers can withdraw the cash as well as use the card for  PoS/Ecom. Option for 4 add on cards Flexible payment – they have to pay the total due amount. They can pay a minimum amount. Reward points for every e-commerce and merchant Point of the Sale transaction. Highest card security with the SMS alerts on every credit card transaction Insurance benefits

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
Joining Bonus	20% off on Swiggy orders above 400 rupees 5% discount on Amazon spends of rupees 1,000 or above
Suitable for	Pay the expenses for shopping, dining, travelling, etc.
Features and benefit	Customers can withdraw the cash as well as use the card for  PoS/Ecom. Option for 4 add on cards Flexible payment – they have to pay the total due amount. They can pay a minimum amount. Reward points for every e-commerce and merchant Point of the Sale transaction. Highest card security with the SMS alerts on every credit card transaction Various insurance benefits

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

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