Indian Bank Bharat Credit Card

Indian Bank Bharat Credit Card Fees and Charges

Type of Charge	Amount
Annual Fee	Nil
Joining Fee	Nil
Minimum due	10% of the amount billed.
Interest on revolving credit	1.79% per month (21.48% per annum).
Add on Card	Not available

Related Fees and Charges:

Type of Charge	Amount
Late Payment Penalty	Rs. 50
Cash advance limit	Up to 25% of the credit limit
Cash advance transaction charge	Indian Bank ATM - Nil Other domestic Bank's ATM - Rs. 25
Interest on Cash withdrawal	1.99% per month from the date of transaction. (23.88% per annum)
Balance Enquiry	Rs. 35
Card re-issue	Rs. 100
Over limit charges	Rs. 25
Limit Enhancement	Rs. 25
Cheque return	Rs. 50
Booking Railway ticket charges	1.8% of the transaction amount subject to a minimum of Rs. 10
Fuel surcharge	2.5 % of the transaction subject to a minimum of Rs. 10.
Chargeslip retrieval	Rs. 75 per slip
Statement retrieval	Rs. 50 per statement
PIN Mailer re-issue	Rs. 25
Service Tax	14.50%
Foreign Currency Transaction fee	Not Applicable

Comprehensive Insurance:

Insurance Coverage	Amount
Death due to air accident	Rs. 1 lakhs
Death due to any other accident	Rs. 50,000
Hospitalisation cover due to accident for up to 65 years of age	Rs. 50,000
Hospitalisation cover due to accident for 66 years to 80 years of age	Not Applicable
Credit shield on death	Rs. 10,000
Purchase Protection	Rs. 10,000
Baggage Cover	NA

Indian Bank Bharat Credit Card Eligibility Criteria

To be eligible for an Indian Bank Bharat Credit Card you need to meet the following requirements.

1. The minimum age limit is 25 years old.
2. The maximum age bar is 60 years.
3. Indian nationals can apply.
4. Minimum income required is Rs. 5,000.

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Documents Required for Indian Bank Bharat Credit Card

1. A copy of your PAN card or Form 60 and Voter ID is mandatory.
2. ID and Age Proof - A copy of any valid Government ID as per KYC norms such as your driving licence, passport, or Aadhar card.
3. Address Proof - Any valid Government ID as per KYC norms such as utility bills, ration card, passport, driving licence, or Aadhar card.
4. Income Proof - You must need to submit your statement of accounts for the last three months for banks other than Indian Bank. Salaried individuals need to submit the latest payslip or IT proof. Self-employed need to provide IT returns.

Credit cards make payments easy for all expenses online and offline while offering various benefits

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FAQs on Indian Bank Bharat Credit Card

• How much does the Bharat Credit Card cost?

  This card is free of cost. Indian Bank does not levy any annual fees or joining fees.

• Where can I use my Bharat Credit Card?

  The credit card is valid only in India. It can be swiped at over 1.5 lakhs merchant outlets which accept VISA. It can be used for online, teleshopping, IVRS and mail order transactions. The card is also accepted at 5,500 ATMs that have the VISA logo displayed.

• What is the minimum amount due on my Indian Bank Bharat Credit Card?

  The minimum amount due is 10% of your total bill. This amount is a compulsory payment which must be made by the due date to avoid any penalties and other charges.

• Can I keep paying only the minimum due?

  Yes, you can pay the minimum due for as long as you like. But paying only the minimum due will take you years to complete payment on your bill. For instance, if you have billed a total of Rs. 4,000 to your credit card and you pay only the 10% due on your card every month, you will take close to 3 years or more to clear your bill. Interest will accumulate on your outstanding balance.

• When will I receive my bill for Indian Bank Bharat card?

  The bill for your Indian Bank Bharat Credit Card will be generated on the 15th of each month. Your statement will be sent to you via courier or Post. The payment due date will be 15 days from the date on the statement. If you do not receive your statement within 7 days, contact Indian Bank credit card customer service.

• How many transactions can I carry out with my Indian Bank Bharat Credit Card?

  With the Indian Bank Bharat Credit Card, you are permitted to carry out 5 transactions in a day. Cash withdrawals are limited to 2 transactions in a day.

• What is the procedure in case of lost credit card?

  In the event that you lose your credit card, you can call the customer care helpline immediately and report it. Your card will be blocked and a new one will be issued. In case you suspect your card is stolen, you need to file an FIR with the police and submit a copy to Indian Bank Credit Card Centre.