Indian Bank · Mid
IB-VISA-Business
Where it ranks across all 187 cards
#24 Fuel
0.5%
direct
#46 Wallet load
0.5%
direct
#52 EMI
0.5%
direct
#65 Insurance
0.5%
direct
#68 Education
0.5%
direct
#76 Utility bills
0.5%
direct
#97 Jewellery & watches
0.5%
direct
#101 Gaming
0.5%
direct
#110 Mobile / broadband
0.5%
direct
#119 Train tickets
0.5%
direct
#126 Cabs & transit
0.5%
direct
#132 Health & pharmacy
0.5%
direct
#135 Other
0.5%
direct
#136 Electronics
0.5%
direct
#137 Flights
0.5%
direct
#137 Hotels
0.5%
direct
#138 Groceries
0.5%
direct
#139 Movies & events
0.5%
direct
#142 Online shopping
0.5%
direct
#142 Fashion
0.5%
direct
#143 Food delivery
0.5%
direct
#145 Dining out
0.5%
direct
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Points valued at ₹1/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.50%base rate
1 pt / ₹200
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).