SELECT `id` FROM `tbl_card` WHERE `title` = 'Indian Bank Bharat Credit Card' AND `card_type` = 'Credit Cards' Indian Bank Bharat Credit Card Eligibility, Features, Offers

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INDIAN BANK BHARAT CREDIT CARD

Indian Bank is an Indian state owned financial services company established on 15 August 1907 and their headquarters in Chennai, India. It serves over  100 million customers with 20.924 employees, 6089 branches with 5022 ATMs and 1494 cash deposit achines and is one of the top performing public sector banks in India.

The Indian Bank Bharat Credit card is completely free for Indian Bank customers. No joining fees or annual fees are taken from the cardholders. The card has an excellent cashback facility. For every Rs.100 spent via the card, 50 paise is credited to the account. Customers can use this cashback to redeem rewards. Minimum Rs.500 must be used for redemption. This card is available for people earning as low as Rs. 5,000.

Indian Bank Bharat Credit Card Features

1. The card comes with an interest-free credit period ranging from 15 days to maximum 45 days.

2. The maximum credit limit on the card is Rs.20,000.

3. This card is completely free for Indian Bank customers. No joining fees or annual fees are taken from the cardholders.

4. Personal Accident Cover-Rs.1 lakh for death due to air accident and Rs.50,000 for non-air accident comes complimentary without any additional charges

5. Purchase Protection cover of Rs.10,000 along with Credit Shield cover of Rs.10,000 on death

6. Hospitalization cover of Rs.50,000 if the card member gets hospitalized due to accident

7. A 'low cost' card exclusively designed for Indian nationals that is available at nominal requirements

8. Cash withdrawal limit of up to 25% of the assigned credit limit

9. Interest rates on your outstanding balance are as low as 1.99% per month. 

Indian Bank Bharat Credit Card Benefits 

Reward type

Cashback

Cash advance

Avail of cash advances with your Bharat Credit card at any Indian Bank ATM. You can withdraw upto 25% of your credit limit. The card is also valid at 5,500 VISA ATMs in India.

Rewards Points 

For every Rs.100 spent on Indian Bank Bharat Credit Card, you will earn 50 paisa.

These points can be redeemed for cash back that will be credited to your account. 

You need at least Rs. 500 collected to be able to redeem the rewards.

Purchase Protection

Purchase Protection will safeguard you against these charges for up to Rs.10,000.

Credit Limits 

The credit limit available on the Bharat Card ranges between Rs. 10,000 and Rs.20,000.

Insurance Cover

Death due to air accident = Rs.1 lakh

Death due to any other accident = Rs.50000

Hospitalisation cover due to accident for up to 65 years of age = Rs.50000

Accident Shield = Rs.10000

Indian Bank Bharat Credit Card Fee and charges

To apply for a bharat card, you have to pay fees and charges applied by the Indian Bank. It covers all charges and fees made by a bank to their customers.The following charges are taken from Indian Bank i.e joining fee, annual fee, interest rate, late payments charges etc.

TYPE

CHARGES

Annual Fee

Nil

Joining Fee

Nil

Minimum due

10% of the amount billed.

Interest on revolving credit

1.99% per month (21.48% per annum).

Add on Card

Not available

Late Payment Penalty

Rs. 50

Cash advance limit

Up to 25% of the credit limit

Cash advance transaction charge

Indian Bank ATM - Nil

Other domestic Bank’s ATM - Rs. 25

Interest on Cash withdrawal

1.99% per month from the date of transaction. (23.88% per annum)

Balance Enquiry

Rs. 35

Card reissue

Rs. 100

Over limit charges

Rs. 25

Limit Enhancement

Rs. 25

Cheque return

Rs. 50

Booking Railway ticket charges

1.8% of the transaction amount subject to a minimum of Rs. 10

Fuel surcharge

2.5 % of the transaction subject to a minimum of Rs. 10.

Charge Slip retrieval

Rs. 75 per slip

Statement retrieval

Rs. 50 per statement

PIN Mailer re-issue

Rs. 25

Service Tax

14.50%

Foreign Currency Transaction fee

Not Applicable

Indian Bank Bharat Credit Card Eligibility Criteria

Before applying for a Bharat Card from Indian Bank, you should fulfil all basic eligibility criteria as prescribed by the bank. You will get your credit card very soon if you meet all the required eligibility criteria once the documentation is done.

1. The minimum age limit is 25 years old.

2. The maximum age bar is 60 years.

3. Indian nationals can apply.

4. Minimum income required is Rs. 5,000.

Indian Bank Bharat Credit Card Documents Required

Any applicant who is applying for a Bharat credit card from Indian Bank must have to submit the following documents. These documents are the requirements for the lenders who are providing you the credit card.

1. KYC Documents = PAN, address proof and ID proof

2. Coloured photograph

3. Income Proof = Last 3 month salary slip

4. Last 3 months bank statement 

5. ITR or Form 16

Indian Bank Credit Card Login 

Cardholders of Indian Bank Credit Card can log in to their credit card account through following steps :

1. Login to Indian net banking account

2. On the right side, you will see a customer login displayed

3. Enter your card number/ user ID and password

4. Click on sign in

5. You will be logged in to your Indian Bank Credit Card account

Indian Bank other products

1. Indian Bank Business Loan

2. Indian Bank Car Loan

3. Indian Bank Home Loan 

4. Indian Bank Personal Loan

How to apply for Indian Bank Bharat Credit Card

There are two reason to apply for Indian Bank Bharat Credit Card :

1. Offline Method : By visiting the nearest branch of Indian Bank

2. Online Method 

  • You can visit the ‘Bharat Credit Cards’ page of the Indian Bank official website

  • Enter your personal and contact details

  • After the verification, a representative from the bank will get in touch with and ask guide you through the process

  • You may have to submit KYC documents and income proof to get an Indian Bank credit card

Indian Bank Bharat Credit Card Customer Care

Contact number : 180042500000

Email id : customercomplaints@indianbank.co.in

Indian Bank Bharat Credit Card Payment Online 

Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. 

1. Login to your Indian Bank internet banking account

2. Find 'Credit Card Bill Payment' option

3. Choose between 'Total Amount Due' and 'Minimum Amount Due'

4. Click on 'Submit' to process the payment

Bank offered Financials products

BUSINESS LOAN

CAR LOAN

COMMERCIAL LOAN 

EDUCATION LOAN

GOLD LOAN

HOLIDAY LOAN 

HOME LOAN 

LOAN AGAINST PROPERTIES 

LOAN AGAINST SECURITIES

PERSONAL LOAN

PROFESSIONAL LOAN

TWO WHEELER LOAN

Indian Bank Bharat Credit Card Frequently Asked Questions 

1. What is a Indian Bank Bharat Credit Card?

The Indian Bank Bharat Credit card is completely free for Indian Bank customers. No joining fees or annual fees are taken from the cardholders. The card has an excellent cashback facility. The card has an excellent cashback facility. For every Rs.100 spent via the card, 50 paise is credited to the account. Customers can use this cashback to redeem rewards.

2. What is the annual fee of a Indian Bank Bharat Credit Card?

The annual fee is NIL of a Indian Bank Bharat Credit Card.

3. What is the minimum and maximum age the applicant is required to get a Indian Bank Bharat Credit Card?

The minimum age of the applicant is 25 years and maximum age is 60 years to get a Indian Bank Bharat Credit Card.

4. What are the rewards points given in a Indian Bank Bharat Credit Card?

The rewards points are given in a Indian Bank Bharat Credit Card are :

  • For every Rs.100 spent on Indian Bank Bharat Credit Card, you will earn 50 paisa.

  • These points can be redeemed for cash back that will be credited to your account. 

  • You need at least Rs. 500 collected to be able to redeem the rewards.

5. How can I apply for a PIndian Bank Bharat Credit Card?

You can apply for a Indian Bank Bharat Credit Card online and offline by visiting the nearest bank branch.

6. How do I contact customer care for a Indian Bank Bharat Credit Card?

You can contact through customer care toll free number and also through e-mail id for a Indian Bank Bharat Credit Card.

7. What type of rewards are included in the Indian Bank Bharat Credit Card?

Cashback rewards are included in the Indian Bank Bharat Credit Card.

8. How much interest rate is provided by a Indian Bank Bharat Credit Card?

The interest rate is 1.99% per month provided by a Indian Bank Bharat Credit Card.

9. What are the minimum late payment charges of Indian Bank Bharat Credit Card?

The minimum late payment charge is Rs.50 of Indian Bank Bharat Credit Card.

10. What is the joining fee of a Indian Bank Bharat Credit Card?

The joining fee of Indian Bank Bharat Credit Card is NIL.

Last Updated on : 04/Oct/2020

Know More About CREDIT CARDS

Indian Bank Bharat Credit Card

You're eligible for a Indian Bank Bharat Credit Card if you:


Are legally adult enough to handle it


Have still got it


Get a regular pay check


Make more than a basic buck

Your eligibility depends on:


Earn more than minimum income required


Maximum allowed Credit Cards is Rs. 10K to Rs. 45 lakhs


EMIs of other loans loweryour eligibility

Boost your eligibility by:


Pay off your credit card bills


Choose longer tenure loan up to 5 years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account