Enjoy marvelous privileges and convenience over purchases with the Gold Credit Card offered by Indian Overseas Bank. It is a superior credit card which is tailor-made to cater diverse banking needs of the customers. Interestingly, the card includes a special range of features, which is considered the best when it comes to shopping and travel. Furthermore, Gold Credit Card would match the lifestyle of the cardholder by presenting a good selection of quality advantages such as reward points, affordable interest, larger credit limit and global recognition.
Features & Benefits Associated to IOB Gold Credit Card
With the possession of the Gold Credit Card, the customers can make use of the various features & benefits. Some of the striking aspects are mentioned below:
Rewards Scheme
IOB Gold cardholders get to access reward points based on their Point-of-Sale and online transactions processed using the concerned credit card.
Easy Payments
The customer can settle payments associated to credit card bills via Net Banking website managed by IOB. This service can be accessed from anywhere with the availability of a computer system and active internet connection.
Global Acceptance
To your surprise, the IOB Gold Credit Card is globally accepted and recognized across various regions of the world. In India, this particular credit card is operational in more than 6.5 lakh outlets.
Flexible Payment
Credit cardholders can cherish this impressive flexible payment option, which is of great use. Based on this facility, the customer only has to make minimum due payment apart from offering the total outstanding amount.
Supplementary or Add-On Cards
Get ready to experience privileged offers and exclusive discounts by accessing an add-on card. Do make a note that, the primary cardholder can receive a maximum of four add-on cards, which can be issued specifically for their family members.
Fast Cash Withdrawal
Customers can effectively use their IOB Gold Card for withdrawing money through ATMs present all over the country. Moreover, they can even use them for making PoS transactions.
Eligibility for Accessing IOB Gold Credit Card
In order to avail IOB Gold credit card, the customer’s need to fulfill certain criteria such as:
- The applicant should be at least 18 years of age and is required to be an Indian resident.
- Candidate needs to hold a steady income status and it would be carefully verified via the income documents as well as salary slips.
- Further, the customer should exhibit a decent CIBIL score. Moreover, the customer shouldn’t hold any defaulted payments associated to IOB bank.
Please Note: Indian Overseas Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.
Required Documents
There is a need for the candidate to submit the below mentioned documents for completing the application process associated to IOB Gold Credit Card.
Identity Proof – Candidates applying for the Gold Credit Card should submit a valid identity proof that can be:
- Copy of Driving License
- Copy of Aadhaar UID
- PAN Card
- Copy of Voter’s ID Card
- Passport copy
Income Proof – Candidates are required to offer their latest ITR Statements, Salary slips and Form 16 as a proof of income.
Residence Proof – There is a need to deliver a residence proof whenever you are applying for IOB credit card. It can either be your latest telephone bills, electricity bills or passport.
Charges & Fees
- Card limit– INR 60, 000- INR 5, 00,000
- Issuance Charges for Card– No Charges for Non-Photo Card
- Photo Card– INR 100
- Fee for Hot Listing– No Charges
- Annual maintenance Charge– No Charges
- Fee for Late Payment Fee– INR 100
- Duplicate statement Issuance– INR 50
FAQs Linked to IOB Gold Credit Card
Q. Are there any sort of service charges associated for using Gold Credit Card at fuel stations?
Ans. Yes! The customer will need to offer a certain service charge if he/she is using their credit card for buying fuel at specific merchant establishments such as petrol bunks and Railways.
Q. Is there any kind of lifetime validity on my IOB Gold Credit Card?
Ans. No! It must be remembered that, the IOB Gold Card is only valid for a duration of 3 years and should be renewed later on.
Q. Can customers use their IOB Gold Card for making overseas transactions?
Ans. IOB Gold is accepted globally and can even be used as a perfect alternative for cash or cheque.