Expert Selection 2026
Best Credit Cards for INDIAN BANK
Public sector bank offering basic credit cards with RuPay and Visa variants for retail customers.
Recommended Cards (8)
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Top Choice
INDIAN BANK
Indian Bank RuPay Platinum Credit Card
Excellent
Expert Score3.2
Joining Fee
₹300
Annual Fee
₹300
- 2 reward points per ₹100 on all spends.
- UPI-enabled RuPay card.
- Fuel surcharge waiver at all petrol pumps.
SOUTH INDIAN BANK
South Indian Bank SIB RuPay Platinum Credit Card
Excellent
Expert Score3.1
Joining Fee
₹0
Annual Fee
₹0
- Lifetime free card – no annual fee.
- 2 reward points per ₹100 on all spends.
- UPI-enabled RuPay card.
RBL BANK LTD
IndianOil RBL Bank XTRA Credit Card
Excellent
Expert Score3.8
Joining Fee
₹500
Annual Fee
₹500
- 2,000 reward points as welcome benefit.
- 20 XTRA Points per ₹150 spent at IndianOil fuel stations.
- 5 XTRA Points per ₹150 on all other spends.
KOTAK MAHINDRA BANK LTD
IndianOil Kotak Credit Card
Excellent
Expert Score5.0
Joining Fee
₹449
Annual Fee
₹449
- Annual fee waiver on retail spends of ₹50,000 in a year
- Fuel surcharge waiver at Indian Oil fuel pumps for transactions between ₹100 to ₹5,000
- Maximum waiver of ₹100 per statement cycle
HDFC BANK LTD
Indian Oil HDFC Bank Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹1,000
- Earn up to 50 liters of free fuel annually
- 5% of spends as Fuel Points at IndianOil outlets, groceries and bill payments
- 1 Fuel Point for every ₹150 spent on all other purchases
AXIS BANK LTD
IndianOil Axis Bank Premium Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- nan
AXIS BANK LTD
Indian Oil Axis Bank RuPay Credit Card
Excellent
Expert Score5.0
Joining Fee
₹500
Annual Fee
₹500
- nan
AXIS BANK LTD
IndianOil Axis Bank Credit Card
Excellent
Expert Score5.0
Joining Fee
₹1,000
Annual Fee
₹1,000
- 5% savings on IOCL fuel.
- 1% back on online shopping.
- Fuel surcharge waiver.
Frequently Asked Questions
How do I choose the best credit card for INDIAN BANK?
Consider your spending habits, preferred reward types (cashback, points, or miles), and whether you're willing to pay an annual fee for premium benefits. The cards listed above offer the best value based on comprehensive analysis.
Are there credit cards for INDIAN BANK with no annual fee?
Yes, several issuers offer entry-level cards with zero joining and annual fees. However, premium cards with higher fees often provide better reward multipliers and lifestyle benefits that can offset the cost if used frequently.
What credit score is required to get approved?
Generally, a CIBIL score of 750 or above significantly improves your chances of approval for top-tier credit cards. If you're building credit, consider starting with an entry-level or secured credit card.
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