IOB RuPay Select Credit Card
IOB About This Card
IOB RuPay Select is a basic premium card from Indian Overseas Bank with 8 domestic and 2 international lounge visits. The Rs 10L accident insurance and low 2.5% forex markup are notable for a PSU bank card at just Rs 500 annual fee.
Pros & Cons
Pros
- Free joining; low Rs 500 annual fee
- 8 domestic + 2 international lounge visits per year
- Rs 10L personal accident insurance included
- Low forex markup at 2.5%
Cons
- Low reward rate at 1 RP per Rs 100
- Low credit limit — Rs 1.5L to 2L (public), Rs 5L (staff)
- RuPay limits international acceptance
- No exciting lifestyle benefits
Fee Details
Reward Structure
Lounge Access
Key Highlights
- 8 domestic lounge visits + 2 international per year
- 1 RP per Rs 100 spent
- Rs 10L personal accident insurance via NPCI
- 1% fuel surcharge waiver (Rs 400-5000, cap Rs 250/cycle)
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