Indian Bank · Entry
IB-VISA-Gold
Where it ranks across all 187 cards
#16 Fuel
1.0%
direct
#28 Wallet load
1.0%
direct
#31 EMI
1.0%
direct
#37 Insurance
1.0%
direct
#38 Education
1.0%
direct
#46 Utility bills
1.0%
direct
#60 Jewellery & watches
1.0%
direct
#67 Gaming
1.0%
direct
#74 Mobile / broadband
1.0%
direct
#83 Train tickets
1.0%
direct
#88 Cabs & transit
1.0%
direct
#92 Other
1.0%
direct
#93 Health & pharmacy
1.0%
direct
#96 Electronics
1.0%
direct
#100 Hotels
1.0%
direct
#101 Flights
1.0%
direct
#105 Online shopping
1.0%
direct
#106 Food delivery
1.0%
direct
#106 Fashion
1.0%
direct
#107 Movies & events
1.0%
direct
#108 Groceries
1.0%
direct
#114 Dining out
1.0%
direct
#30 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).