How to Apply for IOB Credit Card?

IOB Credit Card in Hindi Indian Overseas Bank Credit Card: In this article, we will provide you information about Indian Overseas Bank credit card. If you want to take a credit card from the bank, then you can once consider about the Indian Overseas Bank credit card. Before applying for a credit card you need to know that credit card what happens.

You can get many types of benefits of IOB credit card. With the help of credit card, you can make many types of online and offline payments. In this article, we will know in detail what is IOB credit card, eligibility for this card, what are the documents and how can we apply for this card etc., so read this article till the end.

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IOB Credit Card in Hindi

Before applying for IOB credit card, you need to know what is a credit card. A credit card is a financial instrument that allows customers to transact without making immediate payments. In credit cards, a limit is given to the customers, which is called credit card limit (IOB Credit Card Limit). This limit to the customers CIBIL ScoreIt is given on the basis of factors like income, credit history.

If your CIBIL score is very good and your income is very high then you can get Indian Overseas Bank Credit Card of higher limit. You have to pay your credit card bill at the end of the month. you both online and offline IOB Credit Card apply can do.

Indian Overseas Bank offers various types of credit cards as per the requirement of the customers. You can apply for the card you want to take advantage of. The eligibility, benefits etc. for different credit cards can be different. You can find out the best IOB credit card by comparing between different IOB credit cards.

Also read: Standard Chartered Credit Card

HIGHLIGHTS:

card name	Indian Overseas Bank Credit Card 2022
Bank	Indian Overseas Bank
credit limit	up to Rs.5 lakh
interest charge	30% per year
charge	Varies by card
official website	https://www.iob.in/

Also read: federal bank credit card

Benefits and Features of IOB Credit Card

• With this card you can easily pay for the expenses of shopping, food, travel etc.
• If you have a credit card then you do not need to carry cash with you.
• Interest charges 30% p.a.
• The minimum limit of the card is Rs 10,000 and the maximum credit limit is Rs 5 lakh.
• You can also withdraw cash with the help of Indian Overseas Bank Credit Card.
• Apart from the primary card, you can take up to four add-on cards from the bank.
• The bank provides flexible payment facility to the customers in which they have to pay the minimum due amount as mentioned in the monthly billing statement.
• You can earn reward points using IOB credit card at PoS/Ecom.
• With the help of IOB Internet Banking, you can pay your credit card dues.
• Whenever the card holder makes any transaction, he will be notified through SMS.

Also read: HSBC credit card

Types of IOB Credit Cards

At present, the bank mainly offers two types of credit cards which are as follows:

• IOB Classic Credit Card
• IOB Gold Credit Card

IOB Classic Credit Card:

Benefits and Features:

• The credit limit for this IOB Classic Credit Card is from Rs.10,000 to Rs.50,000.
• No fee is charged for issuance of the card.
• You can easily apply for this card online.
• Personal accident insurance cover up to Rs.4 lakh for the cardholder.
• You can withdraw cash up to 40% of your credit limit.
• Shop at jewelery shops up to 50% of the credit limit.
• Facility of ceiling cash per day through ATM up to Rs.15,000.
• All Transactions – 50% of the credit limit

Also read: bank of maharashtra credit card

IOB Gold Credit Card:

Benefits and Features:

• The credit limit for this IOB Gold Credit Card is from Rs.60,000 to Rs.5 lakh.
• There is no charge for issuance of the card.
• Facility to apply securely online with ease.
• Personal accident insurance cover up to Rs.10 lakh.
• You can withdraw cash up to 40% of the credit limit.
• Shopping at Jewelery Shops – 50% of the credit limit
• Ceiling cash per day through ATM – up to Rs.25,000.
• All Transactions – 50% of the credit limit

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IOB Credit Card Charges

When you take a credit card, you have to pay many types of charges on it. These charges vary for different credit cards, which are given here:

charges	classic credit card	gold credit card
Card issuance fee	No fee	No fee
photo card	100 Rs.	100 Rs.
annual maintenance fee	No fee	No fee
hot listing fee	No fee	No fee
Replacement/Re-issue of Lost/Damaged	100 Rs.	100 Rs.
duplicate statement copy	50 Rs.	50 Rs.
charge slip copy	100 Rs.	100 Rs.
original fee slip	300 Rs.	300 Rs.
late fee	100 Rs.	100 Rs.
interest on roll over credit	24% (annual)	24% (annual)
Cash Advance Fee	Rs.22.50 per Rs.1000	Rs.22.50 per Rs.1000
cash advance interest	24% from the date of withdrawal to the settlement date (annualized)	24% from the date of withdrawal to the settlement date (annualized)
Fee for cash withdrawal from other bank’s ATMs (Visa)	Rupee. 100- per withdrawal Rupee. 20- Per Balance Inquiry	Rupee. 100- per withdrawal Rupee. 20- Per Balance Inquiry
foreign exchange transactions	2.5% on transaction value	2.5% on transaction value

Also read: Central Bank Of India Credit Card

Indian Overseas Bank Credit Card Eligibility

You have to fulfill all the eligibility to apply for credit card. The eligibility is as follows:

• The minimum age of the applicant should be 18 years.
• You are an Indian resident.
• You should have a stable employment which is earning you a decent income.
• The CIBIL score of the applicant should be very good. A score of 750 or more is a very good score.

Also read: IDBI Bank Credit Card

IOB Credit Card Documents required

You must have all the necessary documents to apply for a credit card. You can also get more information about the document by visiting the bank branch. The documents for applying for a credit card are as follows:

• Address Proof (Any one): Aadhar Card, Electricity Bill, Telephone Bill, Voter ID Card, Ration Card, NREGA Job Card etc.
• Proof of Identity (any one): Passport, PAN Card, Aadhar Card, Driving License, Ration Card, Voter ID Card etc.
• proof of income
• salary slip
• Latest IT Returns
• Bank statement
• Form 16

Also read: union bank credit card

How to apply for Indian Overseas Bank Credit Card?

If you fulfill all the conditions of the credit card, then you can apply for it both online and offline. Apart from this, you can also apply for the card by calling the IOB credit card customer care number. Follow the steps given below to apply:

IOB Credit Card Apply Online

• To apply online, you must first visit the official website of the bank. www.iob.in But have to come.

• after visiting the website Credit Card Click on the option.
• After clicking, a list of all credit cards will open in front of you.
• Click on the card you want to apply for.
• Click on Apply Now option to apply.
• The form will open in front of you, enter the requested information in it and click on submit.
• After this the bank will contact you and will issue the further process.

Also read: uco bank credit card

How to apply offline?

• To apply offline, you have to visit your nearest bank branch.
• Contact the bank employee who will provide you complete information about the credit card.
• Then your documents will be verified.
• You have to fill a form and submit the documents to the bank.
• If your application is accepted, you will be issued a card.

Also read: Kotak Mahindra Bank Credit Card

How to Check IOB Credit Card Application Status?

If you have applied for credit card then you can easily track your application status online and offline. Offline you can find out by visiting your nearest bank branch. Apart from this, you can also track the status of your application by calling the credit card helpline number of the bank. Follow the steps given below to track online:

• To check online, you have to first go to the official website of the bank.
• After that click on the option of credit card.
• Then click on the option of Track Application Status.
• Enter your application number and click on track status.
• The status of your application will come in front of you.

Also read: yes bank credit card

IOB Credit Card Customer Care Number

• Customer Care (toll free) : 18004257744
• Credit Card Division : 044-28519573/9574/9575

Conclusion

In this article we have you Indian Overseas Bank Credit Card in Hindi Provided complete information about. Any person can apply for this card with the help of this article. If you are facing any problem in applying for a credit card or if you want to get other information about this card, then you can contact the bank.

Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.

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