{"id":85878,"date":"2026-03-25T16:01:00","date_gmt":"2026-03-25T10:31:00","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85878"},"modified":"2026-03-25T16:01:06","modified_gmt":"2026-03-25T10:31:06","slug":"iob-gold-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/iob-gold-credit-card\/","title":{"rendered":"All About IOB Gold Credit Card Perks &amp; Charges\u00a0"},"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>Comes with a cashback feature of \u20b90.20 per point for every \u20b9100 spent.<\/li>\n\n\n\n<li>Subject to an interest rate of 30% per annum.<\/li>\n\n\n\n<li>Has a credit limit of \u20b960,000 to \u20b95,00,000.<\/li>\n\n\n\n<li>Comes with a personal accident coverage of up to \u20b94 lakh.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The IOB Gold Credit Card is designed for individuals looking for essential credit card benefits without paying annual fees. It offers basic rewards, cashback on transactions, travel insurance of up to \u20b925,000 and flexible limits, making it suitable for first-time users or those seeking a low-maintenance card.<\/p>\n\n\n\n<p>If you are wondering what other perks and features the IOB Gold Credit Card offers, read on to know more.<\/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-gold-credit-card-benefits\">IOB Gold Credit Card Benefits<\/a><\/li><li><a href=\"#additional-features-of-the-iob-gold-credit-card\">Additional Features<\/a><\/li><li><a href=\"#iob-gold-credit-card-eligibility-criteria\">IOB Gold Credit Card Eligibility Criteria<\/a><\/li><li><a href=\"#iob-gold-credit-card-charges\">IOB Gold Credit Card Charges\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"iob-gold-credit-card-benefits\"><strong>IOB Gold Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IOB-Gold-Benefits-1024x682.jpg\" alt=\"IOB Gold Credit Card Benefits\" class=\"wp-image-85880\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IOB-Gold-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IOB-Gold-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IOB-Gold-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IOB-Gold-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/IOB-Gold-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Reward Points<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Get a cashback of \u20b90.20 per point for every \u20b9100 spent. This gets adjusted towards the monthly outstanding during the generation of bills when the point reaches 500.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Purchase Protection Cover<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Avail a purchase protection cover of up to \u20b925,000 on items you purchase using the credit card.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Personal Accident Insurance Cover<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Avail a personal accident cover for death due to an air crash of \u20b94 lakh for self and \u20b92 lakh for spouse. For death due to road or rail accidents, the coverage is \u20b92 lakh for self and \u20b91 lakh for spouse.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Baggage Insurance<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Get baggage insurance coverage of up to \u20b925,000 if your checked-in baggage is damaged or lost during travel.<\/p>\n\n\n\n<p><strong>Note<\/strong>: These benefits are only available for existing cardholders.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"additional-features-of-the-iob-gold-credit-card\"><strong>Additional Features<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The IOB Gold Credit card limit is \u20b960,000 &#8211; \u20b95,00,000.<\/li>\n\n\n\n<li>The daily transaction limit is 100% of the card limit or available balance for both E-Com and <a href=\"https:\/\/razorpay.com\/blog\/what-is-pos-transaction\/\" target=\"_blank\" rel=\"noopener\">POS transactions.<\/a><\/li>\n\n\n\n<li>Daily cash withdrawal limit is 40% of the card limit or the available balance in the card (whichever is less).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"iob-gold-credit-card-eligibility-criteria\"><strong>IOB Gold Credit Card Eligibility Criteria<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salaried applicants should have a monthly income of \u20b915,000 and self-employed applicants need to have a minimum of \u20b93 lakh annual gross income.<\/li>\n\n\n\n<li>A minimum of 50% take home income norm is considered for limit calculation.<\/li>\n\n\n\n<li>Applicants must possess a satisfactory past repayment record.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"iob-gold-credit-card-charges\"><strong>IOB Gold Credit Card Charges&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Charges<\/strong><\/td><td><strong>Amount&nbsp;<\/strong><\/td><\/tr><tr><td>Joining Fee<\/td><td>NIL<\/td><\/tr><tr><td>Annual Fee<\/td><td>NIL<\/td><\/tr><tr><td>Supplementary Card Fee<\/td><td>NIL<\/td><\/tr><tr><td>Rate of Interest&nbsp;<\/td><td>30% per annum&nbsp;<\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.25% per \u20b91,000<\/td><\/tr><tr><td>Forex Conversion Fee<\/td><td>2.50%<\/td><\/tr><tr><td>Fuel Surcharge<\/td><td>1.00% per \u20b91,000<\/td><\/tr><tr><td>PIN Replacement Charge&nbsp;<\/td><td>\u20b920 for every incident<\/td><\/tr><tr><td>Over Limit Charge<\/td><td>\u20b9100<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>\u20b9100 (after 3 days have passed from the due date)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Looking for a simple way to manage your credit card bills and skip late payment charges? The <a href=\"https:\/\/piceapp.com\/\">Pice App<\/a> helps you handle payments, monitor transactions and stay on top of your finances with ease. Download it now!\u00a0<\/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\" id=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<p>Cardholders can make interest-free purchases from 20 days to 50 days, depending on the date of their purchase.<\/p>\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-1774434400765\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is GST charged on IOB Gold Credit Card charges?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There is an 18% GST applicability as per the Government of India on charges applied by the IOB Bank.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1774434415000\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the billing cycle of the IOB Gold Credit Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The billing cycle of the IOB Gold Credit Card is from the 21st of a month to the 20th of the succeeding month.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The IOB Gold Credit Card is designed for individuals looking for essential credit card benefits without paying annual fees. It offers basic rewards, cashback on transactions, travel insurance of up to \u20b925,000 and flexible limits, making it suitable for first-time users or those seeking a low-maintenance card. If you are wondering what other [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85879,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85878","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\/85878","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\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85878"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85878\/revisions"}],"predecessor-version":[{"id":85881,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85878\/revisions\/85881"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85879"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}