{"id":85700,"date":"2026-03-18T14:51:12","date_gmt":"2026-03-18T09:21:12","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85700"},"modified":"2026-03-18T14:51:18","modified_gmt":"2026-03-18T09:21:18","slug":"iob-rupay-platinum-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/iob-rupay-platinum-credit-card\/","title":{"rendered":"Make Daily Purchases Count With IOB RuPay Platinum Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The joining fee for the IOB RuPay Platinum Credit Card is nil, while the annual fee is \u20b9250.<\/li>\n\n\n\n<li>Earn 1 reward point for every \u20b9100 spent.<\/li>\n\n\n\n<li>1 domestic and 1 international lounge visit.<\/li>\n\n\n\n<li>\u20b92 lakh personal accident insurance cover.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>RuPay Platinum is a premium credit card offered by Indian Overseas Bank. It offers simple rewards on daily spend. The card grants one reward point for every \u20b9100 spent. Each point has a value of \u20b90.25.<\/p>\n\n\n\n<p>Cardholders also receive travel, shopping, recharge, gift card, or entertainment redemption options. The IOB RuPay Platinum Credit Card joining fee is nil, while the annual fee is \u20b9250 + GST.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#iob-ru-pay-platinum-credit-card-benefits\">IOB RuPay Platinum Credit Card Benefits<\/a><\/li><li><a href=\"#indian-overseas-bank-ru-pay-platinum-credit-card-charges\">Indian Overseas Bank RuPay Platinum Credit Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"iob-ru-pay-platinum-credit-card-benefits\"><strong>IOB RuPay Platinum Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IoB-RuPay-Platinum-Benefits-1024x683.png\" alt=\"IOB RuPay Platinum Credit Card Benefits\" class=\"wp-image-85702\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IoB-RuPay-Platinum-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IoB-RuPay-Platinum-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IoB-RuPay-Platinum-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IoB-RuPay-Platinum-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IoB-RuPay-Platinum-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>This credit card brings practical value through multiple features. Cardholders receive IOB RuPay Platinum Credit Card offers from the card network at select merchants from time to time.<\/p>\n\n\n\n<p>These benefits support daily spending, travel convenience, fuel savings, safety cover, and payment flexibility.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>EMI Facility<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Cardholders can convert eligible purchases into EMI. This option helps manage large payments with ease. Interest stands at 13% for 3 or 6 months, 15% for 9 or 12 months, and 17% for 18 or 24 months.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Airport Lounge Facility<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card offers travel comfort through lounge access. Cardholders receive 1 domestic lounge visit in each quarter. They also receive 1 international lounge visit in a calendar year.<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Fuel Surcharge Waiver<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card grants a 1% fuel surcharge waiver across India. This benefit applies to transactions from \u20b9400 to \u20b95000. The waiver limit is \u20b9250 for each billing cycle.<\/p>\n\n\n\n<ol start=\"4\" class=\"wp-block-list\">\n<li><strong>Personal Accident Insurance<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The card also provides financial safety. Cardholders receive personal accident insurance cover of \u20b92 lakh. NPCI provides this cover for eligible users.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"indian-overseas-bank-ru-pay-platinum-credit-card-charges\"><strong>Indian Overseas Bank RuPay Platinum Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>Finance charges of the Indian Overseas Bank Credit Cards are 2.50% monthly or 30% annually.<\/p>\n\n\n\n<p>The other <a href=\"https:\/\/www.iob.bank.in\/documents\/d\/guest\/iobCredit_Card_Schedule_of_Charges\" target=\"_blank\" rel=\"noopener\">key charges<\/a> levied on this card are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.25% or \u20b922.50 per \u20b91000<\/td><\/tr><tr><td>PIN Replacement Charges<\/td><td>\u20b920<\/td><\/tr><tr><td>Card Replacement Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Over Limit Charges<\/td><td>\u20b9100<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>\u20b9100 (3 days after the due date)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Manage multiple credit cards without stress. Download <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a> to receive monthly payment reminders, pay credit card bills with ease, and track payment status on a secure, GST-compliant platform.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>For assistance, contact toll-free numbers 1800 890 4445 or 1800 425 4445, credit card desk 044-28519573, or email creditcard@iobnet.co.in.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1773825389746\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the billing cycle for the IOB RuPay Platinum Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The billing cycle runs from the 21st of a month to the 20th of the next month. The statement is generated on the 20th. Payment is due on the 9th or 10th of the following month.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773825405829\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What income is required to apply for the IOB RuPay Platinum card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Salaried applicants need a minimum monthly income of \u20b915,000. Self-employed applicants require an annual income of \u20b93,00,000. Secured cards are available against a term deposit with 90% credit limit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1773825424522\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the EMI rules for IOB credit cards?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>EMI processing fee is nil for eligible transactions. Pre-closure charge is 3%, with a minimum amount of \u20b9100+GST. EMI cancellation stays free within 15 days.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways RuPay Platinum is a premium credit card offered by Indian Overseas Bank. It offers simple rewards on daily spend. The card grants one reward point for every \u20b9100 spent. Each point has a value of \u20b90.25. Cardholders also receive travel, shopping, recharge, gift card, or entertainment redemption options. The IOB RuPay Platinum Credit [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85701,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85700","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85700","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85700"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85700\/revisions"}],"predecessor-version":[{"id":85703,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85700\/revisions\/85703"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85701"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85700"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85700"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85700"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}