Indian Bank · Mid
IB-RuPAY-Platinum
Where it ranks across all 187 cards
#18 Fuel
1.0%
direct
#30 Wallet load
1.0%
direct
#33 EMI
1.0%
direct
#39 Insurance
1.0%
direct
#40 Education
1.0%
direct
#48 Utility bills
1.0%
direct
#62 Jewellery & watches
1.0%
direct
#69 Gaming
1.0%
direct
#76 Mobile / broadband
1.0%
direct
#85 Train tickets
1.0%
direct
#90 Cabs & transit
1.0%
direct
#94 Other
1.0%
direct
#95 Health & pharmacy
1.0%
direct
#98 Electronics
1.0%
direct
#102 Hotels
1.0%
direct
#103 Flights
1.0%
direct
#107 Online shopping
1.0%
direct
#108 Food delivery
1.0%
direct
#108 Fashion
1.0%
direct
#109 Movies & events
1.0%
direct
#110 Groceries
1.0%
direct
#116 Dining out
1.0%
direct
#32 Government / tax
0.1%
direct
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Points valued at ₹1/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
1.00%base rate
1 pt / ₹100
source
Source: Indian Bank - Credit Card Features and Benefits (PDF) - indianbank.bank.in - read 4 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on0 exclusions
Rare. No published exclusions on record for this card (EMI aside).