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Indian Bank
Indian Bank Rupeek Co-Branded Credit Card
RuPay
Indian Bank Rupeek Co-Branded Credit Card
Built on Indian Bank's tie-up with gold-loan fintech Rupeek, this card sets its credit line against pledged gold rather than income documents, giving customers with limited credit history a route to a usable card. It's a niche, asset-backed product rather than a lifestyle or rewards card.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- Credit limit backed by gold pledged through Rupeek's asset-backed lending, issued via Indian Bank.
Pros
- + No income-proof requirement — limit is gold-backed
- + No joining or annual fee
- + Useful for first-time cardholders
Cons
- − Requires pledging gold through Rupeek
- − Minimal rewards or lifestyle benefits
- − Limited to customers using Indian Bank–Rupeek gold loans