Indian Bank

Indian Bank Rubyx Credit Card

VisaCashbackMid- Tier: GoldLifetime freeDiscontinued

Removed from active dataset: no verifiable Indian Bank product by this name exists on any official or third-party source as of Jun-2026. Likely data error (misattribution or fabrication) rather than a genuinely discontinued card. Retained in DB for audit trail; recommend hard-delete after confirming with import-source records.

Lounge accessTravel insuranceDining benefitsFuel waiver
Free
1st year fee
Fees
Annual feeINR 1,000 + GST (waived on first year)
Joining feeINR 1,000 + GST
Renewal feeINR 1,000 + GST (waived on first year)
Fee waiverSpend INR 1,00,000 in 12 months
Spend waiverSpend INR 1,00,000 in 12 months
Interest rate2.6% - 3.5%
Late paymentINR 100-INR 400 (based on amount due)
Forex markup2.00%
Cash advance2.5% of amount (min INR 400)
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 6 - INR 8 lakh/year
Credit score700 - 750 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes
Cashback %2% - 3% on selected categories
Cashback capINR 1,000 - INR 2,000/month
Redemption optionsAutomatic Statement Credit, Gift Vouchers
Points expiry2 Years
Travel & lounge
Domestic lounge1-2 visits/year
International lounge1-2 visits/year
Lounge conditionsYes
Insurance coverageYes
Hotel/flight offers5% - 10%
ConciergeLimited
Forex waiver1.5% - 2.0%
Lifestyle
Dining discountsYes
Fuel surchargeYes
OTT subscriptionsLimited
E-commerce offersYes
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1% per month
Insurance & protection
Purchase protectionYes
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardYes
App featuresCashback Tracking, Real-time Alerts, Equated Monthly Instalment (EMI) Conversion
Card controlsBlock/Unblock, Limit Set, International Enable/Disable
Fraud protectionReal-time Alerts, Zero Liability
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportYes
Ideal for

Cashback Hunters, Online Shoppers

Know your rights

Banks cannot send you a credit card you didn't apply for. If they do and bill you, they must reverse the charge AND pay you twice that amount as penalty, automatically, no questions asked.