Indian Bank · Premium
IB-RuPay-Select
Where it ranks across all 187 cards
#19 Fuel
1.0%
direct
#31 Wallet load
1.0%
direct
#34 EMI
1.0%
direct
#40 Insurance
1.0%
direct
#41 Education
1.0%
direct
#49 Utility bills
1.0%
direct
#63 Jewellery & watches
1.0%
direct
#70 Gaming
1.0%
direct
#77 Mobile / broadband
1.0%
direct
#86 Train tickets
1.0%
direct
#91 Cabs & transit
1.0%
direct
#95 Other
1.0%
direct
#96 Health & pharmacy
1.0%
direct
#99 Electronics
1.0%
direct
#103 Hotels
1.0%
direct
#104 Flights
1.0%
direct
#108 Online shopping
1.0%
direct
#109 Food delivery
1.0%
direct
#109 Fashion
1.0%
direct
#110 Movies & events
1.0%
direct
#111 Groceries
1.0%
direct
#117 Dining out
1.0%
direct
#33 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).