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Indian Bank RuPay Classic
A truly lifetime-free RuPay entry card with minimal features — ideal for first-time cardholders with basic needs.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Eligibility
- Minimum credit score: 600
- Minimum monthly income: ₹10,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1% fuel surcharge waiver up to ₹200/statement cycle
- Basic accidental insurance ₹5L
Pros
- + Zero fees forever
- + Easy approval (₹10L annual income)
- + RuPay domestic acceptance
Cons
- − Very minimal rewards
- − No premium features
Applying takes you to Indian Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.