{"id":82413,"date":"2025-12-03T14:16:07","date_gmt":"2025-12-03T08:46:07","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=82413"},"modified":"2025-12-03T14:16:11","modified_gmt":"2025-12-03T08:46:11","slug":"indian-overseas-bank-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/indian-overseas-bank-credit-card\/","title":{"rendered":"The Complete Guide to Indian Overseas Bank Credit Cards"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Indian Overseas Bank credit card can now be used for paying GST dues as IOB joins the list of authorised GSTN banks.<\/li>\n\n\n\n<li>Users can pay GST through UPI, debit or credit cards, adding greater convenience for taxpayers.<\/li>\n\n\n\n<li>The service is already active in over 26 States and UTs, expanding IOB\u2019s digital reach nationwide.<\/li>\n\n\n\n<li>There are 7 Indian Overseas Bank credit cards across RuPay and VISA variants, catering to different income levels and spending habits.<\/li>\n\n\n\n<li>Zero joining fee, low annual fees, EMI conversion, and attractive reward programs make IOB credit cards a balanced choice.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Indian Overseas Bank credit card now holds greater value for taxpayers after GSTN added IOB as one of the authorised banks for GST payments.<\/p>\n\n\n\n<p>Users can now pay GST dues via UPI or debit and credit cards, adding greater ease and flexibility. This upgrade supports major payment networks and boosts the digital reach of IOB customers across India.<\/p>\n\n\n\n<p>The facility is already active across 26+ States and UTs, with broader coverage on the way. The move marks a strong step toward smoother tax compliance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>List of Indian Overseas Bank Credit Cards and Their Credit Limit<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/List-of-credit-cards-IOB-1024x682.jpg\" alt=\"List of Indian Overseas Bank Credit Cards\" class=\"wp-image-82415\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/List-of-credit-cards-IOB-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/List-of-credit-cards-IOB-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/List-of-credit-cards-IOB-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/List-of-credit-cards-IOB-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/List-of-credit-cards-IOB.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>There are 7 IOB credit cards across RuPay and VISA. The Indian Overseas Bank credit card limit changes with the variant.<\/p>\n\n\n\n<p>Here is a simple breakdown of the available limit ranges:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>IOB RuPay Credit Cards<\/strong><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit Card Names<\/strong><\/td><td><strong>Credit Card Limit for Public<\/strong><\/td><td><strong>Credit Card Limit for Staff<\/strong><\/td><\/tr><tr><td><strong>IOB RuPay Classic<\/strong><\/td><td>\u20b910,000 &#8211; \u20b950,000<\/td><td>\u20b910,000 &#8211; \u20b959,000<\/td><\/tr><tr><td><strong>IOB RuPay Platinum<\/strong><\/td><td>\u20b960,000 &#8211; &lt;\u20b92,00,000<\/td><td>\u20b960,000 &#8211; &lt;\u20b91,50,000<\/td><\/tr><tr><td><strong>IOB RuPay Select<\/strong><\/td><td>\u20b92,00,000 &#8211; \u20b95,00,000<\/td><td>\u20b91,50,000 &#8211; \u20b95,00,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>IOB VISA Credit Card (Premium)<\/strong><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Credit Card Names<\/strong><\/td><td><strong>Credit Card Limit<\/strong><\/td><\/tr><tr><td><strong>IOB VISA Platinum (Mid Premium Variant)<\/strong><\/td><td>\u20b951,000 &#8211; \u20b92,70,000<\/td><\/tr><tr><td><strong>IOB VISA Signature (Super Premium Variant)<\/strong><\/td><td>\u20b92,70,001 &#8211; \u20b95,00,000<\/td><\/tr><tr><td><strong>IOB VISA Classic Credit Card<\/strong><\/td><td>\u20b910,000 &#8211; \u20b950,000<\/td><\/tr><tr><td><strong>IOB VISA Gold Credit Card<\/strong><\/td><td>\u20b960,000 &#8211; \u20b95,00,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Common IOB Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The joining fee for every IOB credit card is zero. However, each card carries a set of standard charges that apply across the range.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td><strong>Annual Fee<\/strong><\/td><td>NIL (RuPay Classic, VISA Classic &amp; Gold)\u20b9250+GST (Rupay and VISA Platinum)\u20b9500+GST (RuPay Select)\u20b9750+GST (VISA Signature)<\/td><\/tr><tr><td><strong>Cash Advance Fee<\/strong><\/td><td>2.25%\u20b922.50 per \u20b91000<\/td><\/tr><tr><td><strong>Card Replacement Fees<\/strong><\/td><td>\u20b9100<\/td><\/tr><tr><td><strong>PIN Replacement Charges<\/strong><\/td><td>\u20b920<\/td><\/tr><tr><td><strong>Over Limit Charges<\/strong><\/td><td>\u20b9100<\/td><\/tr><tr><td><strong>Late Payment Fee<\/strong><\/td><td>\u20b9100 after 3 days<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note:<\/strong> The annual fee is waived when you meet the bank\u2019s minimum spend requirement for the year.<\/p>\n\n\n\n<p>\ud83d\udca1Pay your credit card bills in an easy and secure way with<a href=\"https:\/\/piceapp.com\/\"> the PICE App<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Indian Overseas Bank Credit Card Benefits<\/strong><\/h2>\n\n\n\n<p>The features of Indian Overseas Bank credit cards differ by variant. Rupay cards share a common set of core benefits, while the VISA Premium range offers another set of uniform privileges. The VISA variants share certain features.<\/p>\n\n\n\n<p>Let us check out a few striking features of each variant:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>RuPay<\/strong><\/li>\n<\/ol>\n\n\n\n<p>RuPay Classic earns 1 point per \u20b9150, while RuPay Platinum and Select earn 1 point per \u20b9100. Each point holds a value of \u20b90.25 and can be redeemed for gifts, travel, entertainment or recharges after reaching the minimum threshold.<\/p>\n\n\n\n<p>Eligible transactions can be converted into simple <a href=\"https:\/\/www.iob.bank.in\/UPLOAD\/CEDocuments\/iobConverting_Transaction_to_EMI_Credit_Card.pdf\" target=\"_blank\" rel=\"noopener\">EMIs as per the bank\u2019s terms<\/a>.<\/p>\n\n\n\n<p>Cardholders receive periodic deals and discounts provided through the RuPay network.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Premium<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Both variants offer attractive reward points from Nth Rewards, which add steady value on each eligible spend.<\/p>\n\n\n\n<p>Cardholders get premium VISA services such as airport-related benefits, car-rental deals, concierge support and emergency assistance.<\/p>\n\n\n\n<p>Each premium card includes personal accidental insurance coverage of up to \u20b910 lakh.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>VISA<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Interest-free purchase period of 20\u201350 days, based on transaction date.<\/p>\n\n\n\n<p>Cashback of \u20b90.20 per \u20b9100 spent, automatically applied to the monthly bill.<\/p>\n\n\n\n<p>Insurance cover that includes baggage protection of \u20b925,000 and personal accident benefits for air, road and rail travel.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Indian Overseas Bank Credit Card Eligibility<\/strong><\/h2>\n\n\n\n<p>Many basic requirements stay the same across all banks. You must have a PAN, a valid mobile number and an active email ID. Non-customers must complete full KYC and show creditworthiness.<\/p>\n\n\n\n<p>With these essentials in place, here are the key eligibility rules specific to Indian Overseas Bank credit cards.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Income Requirement:<\/strong> Salaried applicants must earn at least \u20b915,000 per month. Self-employed applicants need a minimum annual income of \u20b93,00,000.<\/li>\n\n\n\n<li><strong>Credit Score and Assessment:<\/strong> A CIBIL score of 700+ is needed for unsecured IOB cards. The bank also checks credit history, ongoing loans, income stability and key financial documents.<\/li>\n\n\n\n<li><strong>Secured Credit Cards:<\/strong> Applicants without income proof or with a low credit score can qualify for a secured credit card. The bank allows a credit limit of up to 90% of the deposit amount.<\/li>\n\n\n\n<li><strong>For NRIs:<\/strong> Must hold an Indian passport, maintain an NRE\/NRO account with IOB and settle dues through the same. A local Indian address is compulsory. Cash withdrawal is capped at 40% of the card limit.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How to Apply for an IOB Credit Card?<\/strong><\/h2>\n\n\n\n<p>You can get an Indian Overseas Bank credit card through both online and offline routes.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Online Application<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Visit the IOB credit card page and tap <a href=\"https:\/\/applycreditcard.iob.bank.in\/\" target=\"_blank\" rel=\"noopener\">Apply Now<\/a>. Confirm whether you are an existing customer and enter the captcha. If you have an IOB account, provide your PAN, email ID and basic personal details.<\/p>\n\n\n\n<p>Keep your Aadhaar-linked number, ID, address proof, PAN, and recent income or bank documents ready for quick processing.<\/p>\n\n\n\n<p><strong><em>Note:<\/em><\/strong> If you are not an existing customer, the online facility is currently unavailable.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Offline Application<\/strong><\/li>\n<\/ol>\n\n\n\n<p>New customers and those who prefer in-person support can apply by visiting the nearest IOB branch. The bank staff will guide you through the form, documents and verification.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Customer Support Details of the IOB Credit Card<\/strong><\/h2>\n\n\n\n<p>In addition to the ways mentioned below, you can also get in touch via the RuPay and Visa credit card customer portal.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For any credit card query, you can reach IOB\u2019s toll-free helplines at 1800 890 4445 or 1800 425 4445.<\/li>\n\n\n\n<li>You may also contact the dedicated Credit Card Call Centre at 044-2851 9573 \/ 9574 \/ 9575.<\/li>\n\n\n\n<li>For escalations, the Credit Card Division is available at 044-2851 9518.<\/li>\n\n\n\n<li>You can also write to the team at creditcard@iobnet.co.in.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>The Indian Overseas Bank credit card offers solid value through clear limits, flexible variants and useful features. The rules stay simple, the charges remain transparent, and the benefits cover most spending habits with ease.<\/p>\n\n\n\n<p>Pick the card that fits your income, usage and lifestyle. A little comparison helps you choose smarter and manage your credit with confidence.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1764750158052\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What makes the Indian Overseas Bank credit card special now?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It\u2019s now authorised for GST payments, giving taxpayers more flexibility.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764750173209\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How many types of Indian Overseas Bank credit cards are available?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There are 7 variants: 3 RuPay and 4 VISA credit cards.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764750188021\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the minimum and maximum credit limit?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Limits range from \u20b910,000 to \u20b95,00,000 depending on the variant.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764750200955\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there a joining fee for the Indian Overseas Bank credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, all IOB credit cards have zero joining fee.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1764750214138\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can I apply for an Indian Overseas Bank credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can apply online (for existing customers) or at any IOB branch.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Indian Overseas Bank credit card now holds greater value for taxpayers after GSTN added IOB as one of the authorised banks for GST payments. Users can now pay GST dues via UPI or debit and credit cards, adding greater ease and flexibility. This upgrade supports major payment networks and boosts the digital [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":82414,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-82413","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82413","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=82413"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82413\/revisions"}],"predecessor-version":[{"id":82416,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/82413\/revisions\/82416"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/82414"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=82413"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=82413"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=82413"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}