1.

Whether IOB Credit Cards are Internationally Accepted?

Yes, IOB Credit Cards Can be Used Internationally.

2.

What are the Type of Credit Cards Offered by IOB?

At present the following types of cards are issued by IOB

i. RuPay Classic Credit Cards

ii. RuPay Platinum Credit Cards

iii. RuPay Select Credit Cards.

3.

Who Can Apply for IOB Credit Card?

All IOB customers can apply for credit card.

4.

Whether NRI Can Apply for IOB Credit Card?

Applicants who are NRI and holding Indian passport are also eligible for credit cards.

5.

What is the Minimum CIBIL Score Required for Applying IOB Credit Card?

For CIBIL score less than 650, you can get credit card limit against deposit with 10% margin.

6.

Whether Third Party Guarantee is Required for Applying IOB Credit Card?

No Guarantee Required.

7.

To Apply New Card

Customers can apply for new card using DIY Portal:

IOB.in >> Cards >> Credit Card >> Apply Online and through Branch: Branch Product: Credit Card portal as well as directly

Icon Placed in Desktop by using their roll no and Domain password.

8.

What Are the Documents Required for Applying IOB Credit Card?

• Application cum terms and condition form Income tax return / salary slip/ Form 16 as a proof of income
• Applicable KYC documents.

9.

Card Received Not Activated

Card can be activated through Customer Portal.

IOB.in >> Cards >> Credit Card >> Rupay Credit Card Customer Portal

First, customer must create login in customer portal.

After Login >> Service Request >> Request for Card Activation >> OTP will be sent to your Registered Mobile Number >> Enter OTP >> submit.

Mobile App >> Card Actions >> Activate card.

10.

Card Lost how to Block

Card Can be Locked through

• IVR by Calling 1800 890 4445

• Customer Portal Login >> Service Request >> Request for permanent Block
• Call Contact Centre Helpdesk 044-2851 9573/74/75
• SMS service Sending SMS HOT to 9966051699,
• Mobile App >> Card Actions >> Manage Cards >> Block Card.

11.

Replacement Card in the Place of Damaged Cards/Lost Status Cards

• Customer Portal Login >> Service Request >> Request for Replacement Card
• Mobile App >> Card Actions >> Service Request >> Replacement of Card
• IVR by Calling 1800 890 4445
• Call Contact Centre 044-2851 9573/74/75
• SMS Service Sending SMS REPLACE to 9966051699

12.

Upgrade Card Request from One Variant to Another Variant

• Upgrade Request Through Customer Portal
• Mobile App >> Card Actions >>
  Manage Cards >> Upgrade your Card
• IVR by Calling 1800 890 4445
• Call Contact Centre 044-2851 9573/74/75

13.

To Enable
ECOM/CONTACTLESS/INTERNATIONAL Transactions in the Credit Card

• Customers can enable through Customer Portal login >> Transaction Preference >> Enable
  ECOM/CONTACTLESS/INTERNATIONAL Transactions
• Customers can enable through Mobile App >> Card Actions >> Manage Cards >> Transaction Preference.

14.

For Setting Limit in ECOM/POS/ATM Channels

• Customers can set limit through Customer Portal login >> Transaction Limit >> set
  ECOM/CONTACTLESS/INTERNATIONAL Limit
• Customers can enable through Mobile App >> Card Actions >> Manage Cards >> Transaction Preference.

15.

Green PIN Generation

• Customers can generate through Customer Portal login >> PIN Generation >> OTP will be sent to your registered mobile number >> Enter OTP >> submit.
• Customers can generate through Mobile App >> Card Actions >> Manage Cards >> Green PIN

16.

Not Received OTP

Customers can check with the branch for mobile number updation and for further check can drop mail to
creditcard@iobnet.co.in

17.

Not Received Credit Card

Customers can track the card by

• Tracking the speed Post consignment number which is being sent to the Registered mobile number.
• IVR by Calling 1800 890 4445

18.

AMC Charges

AMC Applicable as per Circular

19.

Whether I can draw cash from my credit card through ATM?

Yes, you can withdraw cash up to 40% of Credit Limit.

20.

Once card is issued whether limit can be enhanced subsequently?

Yes, Card limit can be enhanced by giving request to the branch, customer portal as well as mobile App.

21.

Whether I Can Get Supplementary Card?

Yes, you Can Get up to 4 Supplementary Cards

22.

What is the Toll Free No. for IOB Credit Card?

Toll Free No. - 1800 890 4445

23.

What is the Billing Cycle of IOB Credit Card?

Billing Cycle

Billing Date

Pay by Date (Due Date)

21st of a Month to

20th of Succeeding Month

20th of Every Month

10th or 9th of Subsequent Month

24.

How do I pay my monthly dues of IOB Credit Card?

You Can Pay Your Card Dues by Any of the Method Mentioned Below:

1. By Cash Deposit through Branches

2. By way of a Cheque

3. By way of Transfer from Any SB or CDCC Account

4. Through Internet Banking:

You can Register the Card in Your Internet Banking Account through the Option

IOB Cards >> IOB Credit Card >> Register Card

After Approval, Customer can make Payment through the Option IOB Cards >> IOB Credit Card >> Make Payment.

5. Through Mobile Banking:

You Can Register the Card in Your Mobile Banking App through the Option

Card Services >> Credit Card

Services >> IOB Credit Cards >> Add Card

After Adding the Card, Customer Can Make Payment through the Option

Card Services >> Credit Card

Services >> IOB Credit Cards >> Card Payment

6. Through NEFT:

Customer Can Make Payment to Our Credit Card from Other Bank

Accounts through NEFT A/c No. Card No.
IFSC: IOBA00CARDS

26.

Whether Insurance Benefits Are Available in IOB Credit Card?

Yes, Following Insurance Benefits are Available to All the IOB RUPAY Credit Card Holder Free of Cost as Per the NPCI Terms and Conditions which Varies Time to Time.

Current Facility for Personal Accident Benefit is as Below:

Rupay Classic Credit Card: Nil

Rupay Platinum Credit Card: 2 Lakh Rupay Select Credit Card: 10 Lakh

*Insurance Amount is as per NPCI and it is Changing Time to Time.

27.

What are the Reward Benefit in IOB Credit Card?

Points will be given for Transactions value of Rs. 100 and above made in POS/E-Com.

One Reward Point for every Rs. 100/- spent on Platinum, Signature and Select Cards.

One Reward Point for every Rs. 150/- spent on Classic and Gold Cards.

Each point will have a value of Rs. 0.25.