All cards / Indian Bank
Indian Bank RuPay Platinum
A mid-tier RuPay card with quarterly lounge access and solid everyday rewards — good for moderate spenders.
Annual fee
₹999
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 1 complimentary domestic airport lounge visit per quarter
Benefits by category
- ✈️ Travel
1 complimentary airport lounge visit/quarter
- ⛽ Fuel
1% fuel surcharge waiver
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% waiver on fuel transactions between ₹400–₹4,000
Benefits
- 1 complimentary airport lounge visit/quarter
- 1% fuel surcharge waiver
Pros
- + No joining fee
- + Lounge access included
- + Moderate reward rate
Cons
- − Annual fee ₹999
- − Requires ₹50,000 annual spend to waive the fee