Indian Bank Bharat Credit Card
Indian Bank About This Card
Indian Bank Bharat is a basic, no-frills credit card with zero fees, designed for entry-level credit users. With a low credit limit (Rs 10K-20K) and India-only usage, it's purely for credit building and basic spending needs.
Pros & Cons
Pros
- Zero joining and annual fee
- Good entry-level card for credit building
- Insurance cover included (accident + hospitalization)
- Low finance charge of 1.79% per month
Cons
- Very low credit limit — Rs 10K to Rs 20K max
- Valid only in India — no international use
- Low reward rate of 0.5%
- Max 5 transactions per day; cannot use at jewellers
Fee Details
Reward Structure
Lounge Access
Key Highlights
- Lifetime free — zero fees
- 50 paisa cashback per Rs 100 spent
- Personal accident cover up to Rs 1L (air) + Rs 50K (other)
- Hospitalization cover of Rs 50,000
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