Indian Bank

Indian Bank Utsav Credit Card

VisaRewardsBasic- ClassicLifetime 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 feeNil
Joining feeINR 750 + GST
Renewal feeNil
Fee waiverNo renewal fee
Spend waiverNo renewal fee (free 1st year)
Interest rate2.8% - 3.6%
Late paymentINR 100-INR 300 (based on amount due)
Forex markup2.50%
Cash advance2% of amount (min INR 300)
Eligibility
Min income (salaried)INR 20,000 - INR 35,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Credit score650 - 700 (CIBIL score)
Age range18 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateLimited
Cashback %0.75% - 1.5%
Cashback capINR 500 - INR 1,500/month
Redemption optionsStatement Credit, Gift Vouchers, Merchandise
Points expiry2 Years
Travel & lounge
Domestic lounge1-2 visits/year
International lounge0 visits (no lounge benefit)
Lounge conditionsYes
Insurance coverageLimited
Hotel/flight offers5% - 10%
ConciergeNo
Forex waiver2% - 2.5%
Lifestyle
Dining discountsLimited
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersLimited
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal10% - 20%
EMI conversionAt Purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferNo
Insurance & protection
Purchase protectionLimited
Lost card liabilityYes
Digital & security
ContactlessYes
Virtual cardLimited
App featuresReal-time Alerts, Basic Features, Equated Monthly Instalment (EMI) Conversion
Card controlsBlock/Unblock, Basic Limit Control
Fraud protectionReal-time Alerts, Standard Security
Zero liabilityZero liability if reported within 3 working days
WhatsApp supportLimited
Ideal for

Young Adults, Budget Conscious Spenders

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.