IB Visa Gold Credit Card

Indian Bank · ₹250 a year · fee waived on ₹50,000 of annual spend

Indian Bank Visa Gold pays 1% back in points worth ₹1 each, with no fee in the first year.

What IB Visa Gold Credit Card really returns

On a typical ₹50,000 a month of card spend, with points counted as cashback, IB Visa Gold Credit Card returns about ₹4,920 a year after its fee (0.82% of spend). That ranks 78 out of 260 cards SahiCard can score. Earns most on online shopping (₹1,200) and groceries (₹960). Put in your own spending to see your figure, with the working shown.

Best credit cards for ₹50,000 a month · All guides

Base rate: 1% cashback.

What the bank says

A higher spending line, revolving credit and emergency card replacement
Annual fee waived if the previous year’s usage exceeds ₹50,000

Things that catch people out

Indian Bank states 1 reward point valued at ₹1 for every ₹100 spent, which is 1%.
No annual fee in the first year; from the second year ₹250 a year, waived if you use the card for ₹50,000 in the previous year.
The sheet does not list the spends that earn nothing, so we apply the usual exclusions for fuel, rent and insurance.

Joining fee: ₹0. Foreign currency markup: not published.

The facts

Annual fee: ₹250
Fee waived at: ₹50,000 of spend a year
Domestic lounge visits: not published
Minimum income: not published

Read from Indian Bank’s own page on 2026-10-06.

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