Indian Bank

VISA

Gold

Indian Bank Gold

Indian Bank's standard Visa: no joining fee, ₹250 annual fee waived on ₹50,000/year spend, and flat 0.5% cashback on all purchases.

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Last reviewed 20 July 2026

Fees

Joining fee

₹0

Annual fee

₹250

Waiver: Annual maintenance charge is waived if card spends in the previous 12 months exceed ₹50,000. The ₹250 fee attracts GST (~₹295 total) when it is levied.

Eligibility

Min. monthly income: ₹20,000

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

all other0.5% cashback

Perks

✓Forex markup: 3.49%
✓Air accident death cover: ₹5 lakh (primary cardholder)
✓Other accidental death cover: ₹2 lakh (primary), ₹1 lakh (add-on cardholder)
✓Hospitalization due to accident: up to ₹1 lakh (cardholder under 65), ₹50,000 (age 66-80)
✓Purchase protection: ₹25,000
✓Lost baggage cover: ₹10,000
✓Credit shield (outstanding balance waiver on death): ₹25,000
✓Cashback rewards redeemable once accumulated points are worth ₹500 or more
✓Up to 4 add-on cards available for family members
✓Global VISA acceptance at 30 million+ merchants and cash withdrawal at VISA ATMs worldwide
✓Interest-free credit period of 15 to 45 days on purchases

Common questions

What is the annual fee on the Indian Bank Gold?: The joining fee is ₹0. The annual fee is ₹250. Annual maintenance charge is waived if card spends in the previous 12 months exceed ₹50,000. The ₹250 fee attracts GST (~₹295 total) when it is levied.
What are the reward rates on the Indian Bank Gold?: Indian Bank Gold earns 0.5% cashback on all other spends.
Does the Indian Bank Gold offer airport lounge access?: No, the Indian Bank Gold does not include complimentary airport lounge access.
Who is eligible for the Indian Bank Gold?: Applicants typically need a minimum age of 21, and must be salaried or self employed. Salaried applicants typically need a minimum monthly income of ₹20,000; self-employed applicants are typically assessed on a minimum annual income of ₹4,00,000 instead. Exact criteria are set by Indian Bank and can vary by application.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

Everything else

₹

0.5% cashback

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹495

Up to

20x points

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Annual fee

₹0

Up to

10x points

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Perks

✓Forex markup: 3.49%

✓Air accident death cover: ₹5 lakh (primary cardholder)

✓Other accidental death cover: ₹2 lakh (primary), ₹1 lakh (add-on cardholder)

✓Hospitalization due to accident: up to ₹1 lakh (cardholder under 65), ₹50,000 (age 66-80)

✓Purchase protection: ₹25,000

✓Lost baggage cover: ₹10,000

✓Credit shield (outstanding balance waiver on death): ₹25,000

✓Cashback rewards redeemable once accumulated points are worth ₹500 or more

✓Up to 4 add-on cards available for family members

✓Global VISA acceptance at 30 million+ merchants and cash withdrawal at VISA ATMs worldwide

✓Interest-free credit period of 15 to 45 days on purchases

Common questions

What is the annual fee on the Indian Bank Gold?

The joining fee is ₹0. The annual fee is ₹250. Annual maintenance charge is waived if card spends in the previous 12 months exceed ₹50,000. The ₹250 fee attracts GST (~₹295 total) when it is levied.

What are the reward rates on the Indian Bank Gold?

Indian Bank Gold earns 0.5% cashback on all other spends.

Does the Indian Bank Gold offer airport lounge access?

No, the Indian Bank Gold does not include complimentary airport lounge access.

Who is eligible for the Indian Bank Gold?

Applicants typically need a minimum age of 21, and must be salaried or self employed. Salaried applicants typically need a minimum monthly income of ₹20,000; self-employed applicants are typically assessed on a minimum annual income of ₹4,00,000 instead. Exact criteria are set by Indian Bank and can vary by application.

Indian Bank Gold

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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Indian Bank Gold

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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