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Sr. No. |
Scheme Name/Features |
IOB Salary Accounts (G-D-P)
|
Sub-scheme Code |
Gold |
Diamond |
Platinum |
1 |
Eligibility |
Employees Drawing Regular Salary. Regular Employees of Central Government, State Government, PSU, Government-Semi Government Corporation, MNCs, Reputed Institutions, Reputed Corporate, Reputed Educational Institutions etc.
|
2 |
Age |
Age - 18 to 65 Years |
3 |
Gross Salary (Average of Last 3 Months Gross Salary) |
Rs. 10,000 & above upto Rs. 50,000/- |
Rs. 50,000 & above upto Rs. 1,00,000/- |
Rs. 1,00,000/- and Above per Month |
4 |
Minimum Balance Requirement |
Nil |
Nil |
Nil |
5 |
Zero Balance Account to Family Members |
Free Zero balance Family Accounts (Spouse+1 Children) |
Free Zero Balance Family Accounts (Spouse+2 Children) |
Free Zero Balance Family Accounts (Spouse+2 Children) |
6 |
Internet & Mobile Banking Facility |
Free |
Free |
Free |
7 |
Type of ATM Card |
VISA Platinum/Rupay Platinum |
VISA Signature/RuPay Select |
VISA Signature/RuPay Select |
8 |
Debit Card Charges |
Issue Charge |
Free |
Free |
Free |
Annual Maintenance Charge |
Free |
Free |
|
Free |
9 |
ATM Cash Withdrawal Limit |
Rs. 50,000/- per Day |
Rs. 1,00,000/- per Day in VISA Signature/Rs. 50,000/- in Rupay Select |
Rs. 1,00,000/- per Day in VISA Signature/Rs. 50,000/- in Rupay Select |
10 |
POS Limit |
Rs. 2,00,000/- per Day in VISA Platinum/Rs. 1,25,000/- in Rupay Platinum |
Rs. 3,50,000/- per Day - VISA Signature/Rs. 5,00,000/- per Day Rupay Select |
Rs. 3,50,000/- per Day- VISA Signature/Rs. 5,00,000/- per Day Rupay Select
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11 |
Ecom Limit |
Rs. 2,00,000/- per Day in VISA Platinum/Rs. 1,25,000/- in Rupay Platinum |
Rs. 3,50,000/- per Day |
Rs. 3,50,000/- per Day |
12 |
Free ATM Card Access at Own ATM |
Unlimited |
Unlimited |
Unlimited |
13 |
Free ATM Card Access at Other ATM |
3 Transactions (Financial + Non-Financial) per Month at Metro or 5 Transactions (Financial + Non-Financial) per Month at Other Centres. |
Unlimited |
14 |
Lounge Access: |
Domestic/International Airport |
Lounge Access is Subject to Card Network. As per the Present Scenario, Rupay (Platinum/Select) Provides 2 Lounge Access per Quarter While VISA (Platinum/Signature) Provides 1 Lounge Access per Quarter. |
15 |
FREE Personal Accident Insurance* |
With Account |
Rs. 20 Lakhs (Death+PPD & TPD) |
Rs. 30 Lakhs (Death+PPD & TPD) |
Rs. 40 Lakhs (Death+PPD & TPD) |
With Debit Card |
Rs. 2 Lakhs by NPCI for RuPay Platinum |
Rs. 10 Lakhs by NPCI for RuPay Select Card |
Rs. 10 Lakhs by NPCI for RuPay Select Card |
As per the Terms & Conditions of NPCI, at Present Debit Card will be Eligible for Rupay Insurance Program Only if it is Being Used in POS/Ecom Transaction Once in 30 Days. |
16 |
Fund Transfer Through NEFT |
Free |
Free |
Free |
17 |
Fund Transfer Through RTGS |
Free |
Free |
Free |
18 |
Fund Transfer Through IMPS |
Free |
Free |
Free |
19 |
SMS Charges |
Free |
Free |
Free |
20 |
Temporary Overdraft Facility in Case of Emergency, One Salary Credit is Mandatorily, Maximum 2 Occasions in A Calendar Year. |
1 Month Net Salary up to - Rs. 50,000/- |
2 Months Net Salary up to - Rs. 1 Lakh |
3 Months Net Salary up to - Rs. 2 Lakh
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21 |
Credit Card Subject to Bureau Score, Income Norms and Other Eligibility Criteria |
Issuance Free Annual Maintenance Charges (AMC) -25% Waiver |
Issuance Free Annual Maintenance Charges (AMC) - 50% Waiver |
Free issuance & Annual Maintenance Charge |
22 |
Personalized Cheque Book |
40 Leaves Free Per Year |
60 Leaves Free Per Year |
100 Leaves Free Per Year |
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23
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Demand Drafts |
Two DDs Free Per Month to The Extent of Preceding Quarter Average Balance Available in the Account |
Free Unlimited to the Extent of Preceding Quarter Average Balance Available in the Account |
Free Unlimited to the Extent of Preceding Quarter Average Balance Available in the Account
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24 |
Locker Operations |
Unlimited Free |
Unlimited Free |
Unlimited Free |
25 |
Concession on Locker Rent |
10% Waiver |
15% Waiver |
25% Waiver |
26 |
Processing Fee for Home Loan of Rs. 25 Lacs and Above |
100% Concession |
100% Concession |
100% Concession |
27 |
Processing Fee for Home Loan below Rs. 25 Lacs |
50% Concession |
75% Concession |
100% Concession |
28 |
Processing Fee for Eligible Retail Loan (Other than Home Loan) Schemes |
50% Concession |
75% Concession |
100% Concession |
29 |
Rate of Interest on Home Loan |
0.05% P.A. Concession in Applicable ROI |
0.05% P.A. Concession in Applicable ROI |
0.05% P.A. Concession in Applicable ROI |
30 |
Rate of Interest on Vehicle Loan |
0.10% P.A. Concession in Applicable ROI |
0.10% P.A. Concession in Applicable ROI |
0.10% P.A. Concession in Applicable ROI |
31 |
Rate of Interest on Education Loan More than Rs. 7.5 Lacs for Study Abroad |
0.10% P.A. Concession in Applicable ROI |
0.10% P.A. Concession in Applicable ROI |
0.10% P.A. Concession in Applicable ROI |
32 |
Rate of Interest on Mortgage Loan |
0.10% P.A. Concession in Applicable ROI |
0.10% P.A. Concession in Applicable ROI |
0.10% P.A. Concession in Applicable ROI |
33 |
Rate of Interest on Personal Loan |
0.10% P.A. Concession in Applicable ROI |
0.10% P.A. Concession in Applicable ROI |
0.10% P.A. Concession in Applicable ROI |
34 |
Joint A/c Facility with Spouse |
Yes |
Yes |
Yes |
35 |
Instant Credit of Outstation Cheques |
Rs. 15,000/- |
Rs. 25,000/- |
Rs. 30,000/- |
36 |
Stop Payment Instruction Charges |
Free |
Free |
Free |
37 |
Account Statement through E-Mail/E-Statement (Monthly) |
Free |
Free |
Free |
38 |
Standing Instructions |
Free |
Free |
Free |
39 |
Utility Bill Payment, Online Tax Payment |
Free |
Free |
Free |
40 |
Portability |
Portability From One Sub Scheme to Another under IOB Salary Accounts Scheme Shall be Allowed After One Year of Account Opening Only. |
Portability From One Sub Scheme to Another under IOB Salary Accounts Scheme Shall be Allowed After One Year of Account Opening Only. |
Portability From One Sub Scheme to Another under IOB Salary Accounts Scheme Shall be Allowed After One Year of Account Opening Only. |
41 |
Salary Mandate |
Salary Mandate From the Employer for the Credit of Salary to the IOB Salary Accounts is Required |
42 |
In Case of Retirement/Switch Over the Account to Other Organisation/Non-credit of Salary Consecutively 3 Months
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The Account Shall be Converted into SB Public Accounts by the Branch Wherein He/She Would Have to Maintain the Required Balance. All the Free/Concession Shall Be Withdrawn. |
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Benefits with Rupay Select Debit Card |
43 |
Gym |
Nil |
15 Days/1 Month Free Gym Membership. 40-50% Discounted Price on Extension of Membership. |
44 |
GOLF |
Nil |
1 Complimentary Golf Lesson / Round in a Year. Discounted Access From 2nd Visits Onwards. |
45 |
SPA Services |
Nil |
1 Complimentary SPA Session in a Year. 40-50% Discount on Additional Sessions Throughout the Year. |
46 |
Health Check Up |
Nil |
1 Complimentary Premium Health Check-up Package in a Year. Discounted Health Check-up Facility Post Utilization of Complimentary Offer. |
47 |
Exclusive Merchant Offers |
Nil |
Exclusive Offers From Selected Partner Merchants |