CREDIT CARD DETAIL IOB VISA INTERNATIONAL CREDIT CARD Card Highlights Card Class Standard Card Type Classic Issuer Indian Overseas Bank Offered Type Visa Rewards Main Features IOB Visa Credit Card is a valuable substitute for cash or cheque. Card is valid for use Internationally ou can withdraw cash upto 40% of the limit assigned to you IOB entered into an arrangement with United India Assurance Co. Ltd. for covering you under various insurance facilities free of charge subject to usage of the card atleast once in a quarter  Credit Card Rates   Credit Card Rates Purchases: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 16% per month Balance Transfers: Intro Interest Rate 0% per month Introductory Period 0 month Interest Rate 0% per month  Fees & charges   Fees & charges Joining Fee No Charges Annual Fee No Charges Valid for 3 years from the month of issue. Add On Card Fee The Primary Cardholder can apply for upto 4 ‘ADD-ON’ Cards on his/her credit card Cash Advance Transaction Fee Rs.22.50 per Rs.1,000/- or part thereof (minimum of Rs.100/-) Late Payment 10% of minimum due, subject to a minimum of Rs.100/- Free Credit Period Min.: 15 days Max.: 50 days Limited Lost Card Liability By promptly reporting the loss, your liability on account of someone picking up the lost/stolen card and misusing it would be ‘NIL’ under Lost Card Insurance cover. Please note that this cover will commence only from the date of receipt of your intimation to the Bank. Duplicate Statement Request Charges Rs 50 Charge Slip Request Original Charge Slip : Rs.300 Charge Slip Copy : Rs.100 Railway Booking Surcharge 2.5% Fuel Surcharge 2.5% Service Tax 12.36%  Rewards & Benefits   Rewards & Benefits  Airline   Airline: Delay in Receipt of Checked Baggage Rs.25,000 while on Inland travel  Services & Features   Services & Features General Features: Photo Option Yes Add On Card Yes Internet Web Based Access Yes Coverage International Concierge Service No Invitation to Special Events No Road Assistance No Forex & Travel Cheque Services No Access to 24-Hour Customer Care Centre Yes Personal Loan Facility No EMI on Call Facility No Dial a Draft Facility No Rewards Programme No Global Emergency Assistance Service Yes No. of ATMs (Global) 8.7 lakh ATMs worldwide No. of ATMs (India) 15000 ATMs in India Insurance: Air Accident Self: Rs.10,00000 Spouse : Rs.200000 Other Accident Self : Rs.200000 Spouse : Rs.100000 Purchase Protection Any item purchased through IOB-VISA is insured against the risk of fire, riots, strike, malicious damage, terrorism and theft during transit (from the place of purchase to the residence) and whilst kept/situated at the premises of the cardholder subsequently totally for a period of one year from the date of purchase for a maximum sum of Rs.25,000/- per year. Hospitalization Benefits No Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Personal loans in India: Features and... Home Loans come with Tax Rebates! Carnival of Indian Personal Finance Blogs #3 Benefits and drawbacks of personal loans... Home Loan Agreement: An important aspect...