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Indian Bank RuPay Select
An entry-level RuPay card with a low, waivable annual fee and basic protections — straightforward for first-time cardholders.
Rates and fees last verified 19 July 2026.
Annual fee
₹499
Joining fee
₹0
Reward type
points
Base reward rate
0.4%
Card network
RuPay
Card tier
Entry
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1% fuel surcharge waiver up to ₹200/statement cycle
- Accidental insurance ₹5L
Pros
- + No joining fee
- + Easy fee waiver (₹50K)
- + RuPay acceptance across Indian merchants
Cons
- − Modest reward rate
- − Limited benefits
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.