Indian Bank One Co-Branded Credit Card

Checked against Indian Bank's 5 documents for this card on 03 Nov 2026

COFFER Safety Stars4 of 5See the five checks

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns reward point

First-year fee

₹0

Annual fee

₹0

What it gives back

1 reward point per ₹50 · everyday spends

Read from 5 Indian Bank documents, last checked 8 Nov 2026.

How it compares

Compared with the cards we have read

No annual fee: one of 130 cards that state none, out of the 448 open cards whose annual fee we have read.

1% forex markup: of the 480 other open cards whose forex markup we have read, 47 state a lower one, 6 state the same and 427 state a higher one.

Fees

Rewards

Reward rate
1 reward point per ₹50 · everyday spends1 reward point for every ₹50.
Reward exclusions
Reward Points will not be accrued on fuel transaction.
Statement-credit redemption
Reward points can be accumulated and used to repay other purchases or redeemed for offers shown in the OneCard app.

Also included

Fuel surcharge waiver
Fuel Surcharge waiver: 1% of the transaction amount, capped till ₹400 per month
Purchase to EMI conversion
In-app EMI – convert spends to EMI, anytime.
Add-on card eligibility
Add-on cards for family members of card holders in good standing, only for individuals above 18 years of age; the number of add-on cards is restricted to 5

Charges

Forex markup
1% on foreign currency transactions.1% of the transaction amount
Interest on unpaid balance
3.75% per month (45% per annum)
Interest-free period
Up to 48 days
Late payment fee
₹250 for an outstanding of ₹251-1000; ₹500 for ₹1001-5000; ₹1000 for ₹5001-25000; ₹1250 for ₹25001 and above.
Over-limit fee
Over Limit Fee 2.5% of overlimit amount (Min.
Card replacement fee
Card Replacement Fee First Plastic Card - Nil.
Rent transaction fee
Rent Transaction fee 2% of the transaction amount.

Eligibility

How we know - 5 documents from Indian Bank, checked 8 Nov 2026

5 documents from Indian Bank, checked 8 Nov 2026.

₹0 for life

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