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Explore cards from India's leading banks.
Last updated: 13 September 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1 point per ₹100 spend
Points can be redeemed for vouchers, merchandise or statement credit at a conversion rate of 1 point = ₹0.25. Bonus points on select online merchants as per issuer's offer page.
The privileges that come bundled in, beyond the reward points.
Fuel surcharge waiver up to ₹500 per month
Dining discounts at partner restaurants
Complimentary airport lounge access (2 visits per quarter)
Zero liability on lost card
An honest read on where this card earns its keep — and where it doesn't.
Low annual fee
Reward points on all spends
Fuel surcharge waiver
Reward points redemption value modest
Limited lounge access
Higher APR compared to some peers
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Indian Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Indian Bank Gold Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about Indian Bank Gold Credit Card fees, reward conversion, lounge access, and application eligibility.
Indian Bank Gold Credit Card has an annual fee of ₹250 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "5,000 reward points on spends of ₹5,000 within 30 days of card issuance (as published)".
Indian Bank Gold Credit Card earns Reward Points at a primary rate of 1 point per ₹100 spend. Specifically, Points can be redeemed for vouchers, merchandise or statement credit at a conversion rate of 1 point = ₹0.25. Bonus points on select online merchants as per issuer's offer page.. Spends in Shopping, Lifestyle, Dining, Fuel categories provide the maximum valueback per transaction on this card.
Yes, Indian Bank Gold Credit Card features complimentary airport lounge privileges. Privileges include: "Complimentary airport lounge access (2 visits per quarter)". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of Indian Bank Gold Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Indian Bank Gold Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Indian Bank Gold Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Indian Bank Gold Credit Card currently features a welcome offer: "5,000 reward points on spends of ₹5,000 within 30 days of card issuance (as published)". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Low annual fee and Reward points on all spends. However, keep in mind that Reward points redemption value modest and Limited lounge access. Overall, Indian Bank Gold Credit Card delivers strong value if your regular spending aligns with Shopping, Lifestyle, Dining, Fuel.
Yes, Indian Bank Gold Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver up to ₹500 per month). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for Indian Bank Gold Credit Card directly through Indian Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
