All cards / Indian Bank
Indian Bank
Indian Bank RuPay Business Credit Card
RuPay
Indian Bank RuPay Business Credit Card
Indian Bank's dedicated business card for MSME customers, sitting alongside its RuPay Classic/Platinum/Select and Visa Bharat/Gold/Platinum personal cards.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3%
- Fuel surcharge waiver: 1% waiver at all fuel stations on transactions between ₹400–₹5,000, capped monthly
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- Higher limits for business current account customers
Pros
- + Higher limits for business current account holders
- + Flat rewards on all categories
- + Fuel surcharge waiver for business travel costs
Cons
- − Restricted to self-employed/business applicants
- − No specialized vendor-payment rewards
- − Fee higher than personal RuPay Classic