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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.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 600+ whose spend is concentrated in fuel, utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Insurance benefits: Basic accidental death cover of ₹5 lakh
Benefits by category
- 🛡️ Insurance
Basic accidental insurance ₹5L
- ⛽ Fuel
1% fuel surcharge waiver up to ₹200/statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 600
- Minimum monthly income: ₹10,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% waiver on fuel transactions between ₹400–₹4,000, capped at ₹200/statement cycle
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