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