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Indian Bank
Indian Bank Visa Business Credit Card
Visa
Indian Bank Visa Business Credit Card
Indian Bank's Visa Business card targets proprietors and small-business owners who need a higher daily spend ceiling than the bank's personal cards allow. It's a functional expense-management tool rather than a rewards-heavy product.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver on business fuel purchases.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹30,000
- Employment: self-employed
- Age: 25–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
Benefits
- Higher daily transaction limit (up to ₹3.5 lakh) suited to business spend.
- Fuel surcharge waiver on business fuel purchases.
Pros
- + Higher daily spend limits for business use
- + Annual fee waiver on healthy spend
- + Fuel surcharge waiver
Cons
- − Requires business/self-employment documentation
- − Modest base rewards rate
- − Limited lifestyle or travel benefits