Last Updated on: 14/11/2024
Customer Care (Toll Free): 18004257744
Credit Card Division: 044-28519573/9574/9575
Bank Official: Shri Pinku Sabout (Chief Manager)
Phone: 044-71729701
E-Mail: creditcard@iobnet.co.in
❱ Features of Rupay Credit Card
RuPay Classic is the Basic Variant of IOB RuPay Credit Card. It has a Minimum Credit Limit of Rs. 10000/- and Maximum Credit Limit of Rs. 50000/- for Public and Rs. 59000/- for Staff.
RuPay Platinum is the Premium Variant of IOB RuPay Credit Card. It has the Minimum Credit Limit of Rs. 60,000/- for Staff and Public and Maximum Credit Limit of Less than Rs. 150000/- for Staff and Less than Rs. 200000/- for Public.
RuPay Select is the Super-premium Variant of IOB RuPay Credit Card. It has the Minimum Credit Limit of Rs. 150000/- for Staff and Rs. 200000/- for Public and Maximum Credit Limit of Rs. 500000/- for Staff and Public.
One Reward Point Shall be Provided for Every Rs. 150/- Spent on RuPay Classic Credit Cards. Each Point will have a Value of Rs. 0.25. Minimum 500 Reward Points are Required for Redemption. Customer can Redeem the Reward Points for Various Merchandise, Gift Card, Travel, Entertainment, Recharge, DTH etc. Before the Expiry of Reward Point.
One Reward Point Shall be Provided for Every Rs. 100/- Spent on RuPay Platinum Credit Cards. Each Point will have a Value of Rs. 0.25. Minimum 750 Reward Points are Required for Redemption. Customer can Redeem the Reward Points for Various Merchandise, Gift Card, Travel, Entertainment, Recharge, DTH etc. Before the Expiry of Reward Point.
One Reward Point Shall be Provided for Every Rs. 100/- Spent on RuPay Platinum Credit Cards. Each Point will have a Value of Rs. 0.25. Minimum 1000 Reward Ppoints are Required for Redemption. Customer can Redeem the Reward Points for Various Merchandise, Gift Card, Travel, Entertainment, Recharge, DTH etc. Before the Expiry of Reward Point.
Cardholder Can Convert Their Transaction in EMI as per the Details Provided below.
Cardholder Shall Receive Various Merchant Offers Through Card Network from Time to Time.
Cardholder Shall receive various merchant Offers Through Card network from Time to Time.
Cardholder Shall receive various merchant Offers Through Card network from Ttime to Time.
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IOB RuPay Platinum Cardholder is Eligible for 1 Domestic Lounge Access per Quarter and 1 International Lounge Access per Calendar Year.
IOB RuPay Select Cardholder is Eligible for 2 Domestic Lounge Access per Quarter and 2 International Lounge Access per Calendar Year.
1% Fuel Surcharge Waiver at All Fuel Stations Across India on Transactions Between Rs. 400/- and Rs. 5000/- The Waiver Shall be Capped at Rs. 250/- per Billing Cycle.
Cardholder is Eligible for Personal Accident Insurance Cover of Rs. 2 Lakhs Provided by NPCI.
Cardholder is Eligible for Personal Accident Insurance Cover of Rs. 10 lakhs Provided by NPCI.
Proposed Terms of EMI Option on IOB Credit Card:
Credit Card EMI Interest Rate
13%, 15% & 17% based on EMI Tenure
Processing Fee
Nil
Pre-closure Charges
3% (Minimum 100 and Maximum 1000 and Applicable GST)
Cancelation of EMI Charges
NIL (If Cancelled within 15 Days)
Minimum Transaction Amount for EMI Conversion
INR 3000/-
Range of Tenure Option
3, 6, 9, 12, 18 & 24 Months
❱ Features of VISA Credit Card
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
Individuals
NRI Nationals
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)
Phone: 044-71729701E-Mail: creditcard@iobnet.co.in
Click to visit Credit Card Customer Portal (VISA Card)
Click to visit Credit Card Customer Portal (Rupay Cards)