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.

Features:

Features:

Features:

• Loyalty and Reward Points

• Loyalty and Reward Points

• Loyalty and Reward Points

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 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.

• EMI Facility

• EMI Facility

• EMI Facility

Cardholder can convert their transaction in EMI as per the details provided below.

Cardholder can convert their transaction in EMI as per the details provided below.

Cardholder can convert their transaction in EMI as per the details provided below.

• Merchant Offers

• Merchant Offers

• Merchant Offers

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 time to time.

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• Airport Lounge Facility

• Airport Lounge Facility

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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.

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• Fuel Surcharge Waiver

• Fuel Surcharge Waiver

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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.

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.

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• Personal Accident Insurance

• Personal Accident Insurance

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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.

Credit Card EMI Interest Rate

13%,15% & 17% based on EMI Tenure

• 13% for 3 & 6 EMI
• 15% for 9 & 12 EMI
• 17% for 18 & 24 EMI

Processing Fee

Nil

Pre-closure Charges

3% (Min. 100 and Max. 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