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 Global Gold Card is accepted at over 1.5 lakh merchants in India. The Indian Bank Global Gold Card is embedded with privileges and benefits that will make you a happy shopper. Use your credit card to earn rewards and cash back. The card is absolutely free and bears no annual costs, no joining fees and no renewal fees. Get supplementary cards for up to 4 of your family members and let them in on the benefits, too. Each add-on card costs a one-time fee of Rs. 250.
1. Global Acceptance
2. Up to 4 supplementary cards
3. Air Accident death cover of up to Rs.5 lakh
4. Accidental Death cover of up to Rs.2 lakh
5. Accidental Death cover of up to Rs.1 lakh for first add-on cardholder
6. Hospitalisation cover due to accident of up to Rs.1 lakh
7. Credit Shield on death due to accident of up to Rs.25,000
8. Cashback of Rs 0.50/Rs.100 spent
9. The Indian Bank Global Gold Card is accepted at over 1.5 lakh merchants in India
10. Avail of a minimum of 15 days to a maximum of 45 days interest-free credit on your purchases.
11. All add-on cards cost Rs. 250, which is a one-time fee.
|
Reward type |
Cashback |
|
Add-on Cards |
For add on cards, there is a one-time fee of Rs.250. |
|
Rewards Points |
For every Rs.100 spent on Indian Bank Global Gold Credit Card, you will earn 50 paisa. Once you have collected Rs.500 in your rewards account, you can redeem it for cash back. |
|
Purchase Protection |
Purchase Protection secures you against purchases you make on your Indian Bank Global Gold Credit Card that turn out to be damaged, duplicate or fraudulent. |
|
Low FinanceCharges |
Finance charges are as low as 1.99% per month on your outstanding balance. |
|
Insurance Cover |
Death due to air accident = Rs.5 lakh Death due to any other accident = Rs. 2 lakh Unique cover for first add on cardholder in case of death due to any other accident = Rs.1 lakh Hospitalisation cover due to accident for up to 65 years of age = Rs.1 lakh Hospitalisation cover due to accident for 66 years to 80 years of age = Rs.50000 Credit Shield on death = Rs.25000 Baggage Cover = Rs.10000 Purchase Protection = Rs.25000 |
|
High credit limits |
The credit limits available on the Global Gold Card range between Rs.75,001 and Rs.3 lakhs. |
|
Cash Advance |
You can also make withdrawals at over 800,000 VISA ATMs worldwide including 5,500 VISA ATMs in India. Get upto 40% of your credit limit in cash. This is subject to a maximum of Rs.25,000 per day. |
To apply for a global gold 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 |
|
Add on Card |
One-time fee of Rs.250. |
|
Interest on revolving credit |
1.99% per month (23.88% per annum). |
|
Minimum due |
5% of the amount billed. |
|
Late Payment Penalty |
Rs.250 |
|
Cash advance limit |
Up to 40% of the credit limit, subject to a maximum of Rs. 25,000 per day |
|
Cash advance transaction charge |
Indian Bank ATM - Nil Other domestic Bank’s ATM - Rs. 50 International ATM - Rs. 250 |
|
Finance Charges on Cash withdrawal |
2.25% per month from the date of transaction. (27% per annum) |
|
Balance Enquiry |
Domestic ATM - Rs. 35 International ATM - Rs. 50 |
|
Limit Enhancement |
Rs.100 |
|
Over limit charges |
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. |
|
Cheque return |
Rs.250 |
|
Card reissue |
Rs.100 |
|
PIN Mailer re-issue |
Rs.50 |
|
Charge Slip retrieval |
Rs.125 per slip |
|
Statement retrieval |
Rs.100 per statement |
|
Foreign Currency Transaction fee |
3% markup |
|
Service Tax |
14.50% |
Before applying for a Global Gold 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. You should be at least 18 years old.
2. You should not exceed 80 years of age.
3. Indian nationals and NRIs are eligible.
4. You should be earning a minimum income of Rs. 12,500.
Any applicant who is applying for a Global Gold 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
There are two reason to apply for Indian Bank Global Gold Credit Card :
1. Offline Method : By visiting the nearest branch of Indian Bank
2. Online Method
You can visit the ‘Global Gold 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 Global Gold Credit Card Customer Care
Contact number : 180042500000
Email id : customercomplaints@indianbank.co.in
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
The Indian Bank Global Gold Card is accepted at over 1.5 lakh merchants in India. The Indian Bank Global Gold Card is embedded with privileges and benefits that will make you a happy shopper. Use your credit card to earn rewards and cash back.
The annual fee is NIL of a Indian Bank Global Gold Credit Card.
The minimum age of the applicant is 18 years and maximum age is 80 years to get a Indian Bank Global Gold Credit Card.
The rewards points are given in a Indian Bank Global Gold Credit Card are :
For every Rs.100 spent on Indian Bank Global Gold Credit Card, you will earn 50 paisa.
Once you have collected Rs.500 in your rewards account, you can redeem it for cash back.
You can apply for a Indian Bank Global Gold Credit Card online and offline by visiting the nearest bank branch.
You can contact through customer care toll free number and also through e-mail id for a Indian Bank Global Gold Credit Card.
Travel rewards are included in the Indian Bank Global Gold Credit Card.
The interest rate is 1.99% per month provided by a Indian Bank Global Gold Credit Card.
The minimum late payment charge is Rs.250 of Indian Bank Global Gold Credit Card.
The joining fee of Indian Bank Global Gold Credit Card is NIL.
Last Updated on : 04/Oct/2020Know More About CREDIT CARDS
You're eligible for a Indian Bank Global Gold 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