Indian Bank logo
Verified 2026 Guide10 Cards Ranked

Best Indian Bank Credit Cards in India 2026

Every Indian Bank credit card compared on fees, real reward rates and lounge access. We compared 10 credit cards (including 4 lifetime free cards) on real net value after applying fees, reward caps, and exclusions.

#1 Overall Top PickAnnual Fee: ₹250/yr
Indian Bank VISA Gold Credit Card
Indian Bank

Indian Bank VISA Gold Credit Card

Earn: 1 pts/₹100

₹250/yr fee

Calculate Net Value & View Benefits
Showing 10 of 10 cardsRanked by Base Earn Rate & Net Value
#1

Indian Bank VISA Gold Credit Card

Indian Bank VISA Gold Credit Card

Annual Fee

₹250

Headline Rate

1 pts/₹100

₹250/yr fee
Points
VISA
#2

Indian Bank VISA Platinum Credit Card

Indian Bank VISA Platinum Credit Card

Annual Fee

₹250

Headline Rate

1 pts/₹100

₹250/yr fee
Points
VISA
#3

Indian Bank RuPay Platinum Credit Card

Indian Bank RuPay Platinum Credit Card

Annual Fee

₹250

Headline Rate

1 pts/₹100

₹250/yr fee
Points
RuPay
#4

Indian Bank RuPay Select Credit Card

Indian Bank RuPay Select Credit Card

Annual Fee

₹250

Headline Rate

1 pts/₹100

₹250/yr fee
Points
RuPay
#5

Indian Bank PM SVANidhi Credit Card

LTF
Indian Bank PM SVANidhi Credit Card

Annual Fee

Free

Headline Rate

1 pts/₹100

Lifetime free
Points
RuPay
#6

Indian Bank VISA Business Credit Card

Indian Bank VISA Business Credit Card

Annual Fee

₹500

Headline Rate

0.5 pts/₹100

₹500/yr fee
Points
VISA
#7

Indian Bank VISA Bharat Credit Card

LTF
Indian Bank VISA Bharat Credit Card

Annual Fee

Free

Headline Rate

0 pts/₹100

Lifetime free
Points
VISA
#8

Indian Bank RuPay Classic Credit Card

Indian Bank RuPay Classic Credit Card

Annual Fee

₹250

Headline Rate

0 pts/₹100

₹250/yr fee
Points
RuPay
#9

Indian Bank One Co-Branded Credit Card

LTF
Indian Bank One Co-Branded Credit Card

Annual Fee

Free

Headline Rate

0 pts/₹100

Lifetime free
Points
VISARuPay
#10

IB-Rupeek Co-Branded Gold Backed Credit Card

LTF
IB-Rupeek Co-Branded Gold Backed Credit Card

Annual Fee

Free

Headline Rate

0 pts/₹100

Lifetime free
Points
VISA
Base Earn Calculation: Represents ₹ value earned per ₹100 of everyday spend at standard earn rates before milestone or category multipliers. Real Net Annual Value depends on your exact monthly spend breakdown — use any card's detail page for full calculator.

Explore Credit Cards by Feature

Browse Credit Cards by Bank

Find My Best Card By Spending

This list is ranked for a typical spender. Enter your own numbers and we rank every card for you.

Head-to-Head Card Comparison

Compare any two cards on exact net value based on your monthly spending profile.

Credit Card EMI Calculator

Calculate interest, GST, and processing charges when converting purchases to EMI.

Balance Transfer Calculator

Compute interest saved by moving high-cost credit card debt to a lower rate lender.

Disclaimer: Results are estimates for financial planning purposes only and do not constitute financial, tax, investment, or legal advice. Actual values may vary based on your lender, market conditions, and individual circumstances. Consult a qualified CA, CFP, or financial advisor before making any financial decisions.