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Indian Bank VISA Bharat
A domestic-focused lifetime-free Visa card designed for everyday Indian spenders — simple, no-frills, and always accessible.
Rates and fees last verified 19 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.3%
Card network
Visa
Card tier
Entry
Eligibility
- Minimum credit score: 600
- Minimum monthly income: ₹12,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 1% fuel surcharge waiver up to ₹250/statement cycle
- Accidental insurance ₹5L
Pros
- + Zero fees lifetime
- + Domestic + limited international acceptance
- + Basic protection
Cons
- − No rewards to speak of
- − Limited lifestyle 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.