IOB Credit Card Apply Online (2026): Indian Overseas Bank Cards, Eligibility, Documents and Steps

If you bank with Indian Overseas Bank, its credit cards are an easy first card. Approval is linked to your existing account, and there's a secured option against a fixed deposit.

This guide covers which IOB credit cards you can get, the eligibility rules, the documents you need, and the exact steps of the IOB credit card apply process online through IOB's DIY portal.

💳 Not sure IOB is the right bank? Find the best credit card for you on Monzy.

TL;DR

• Apply online: iob.bank.in → Digital → Cards → Credit Card → Apply Online (DIY portal), or at your branch.
• Eligibility: ₹15,000 net monthly income (salaried) or ₹3 lakh gross annual income (self-employed), plus a satisfactory credit score.
• No income proof or low CIBIL? Get a secured card against a term deposit, with a limit of 90% of the FD.
• Cards: RuPay Classic, Platinum and Select (plus the EKAA super premium card), and Visa Classic and Gold.
• Documents: PAN, Aadhaar, ID and address proof, and ITR or 3 months' salary slips with 6 months' bank statements.

IOB credit cards you can apply for

From IOB's credit card page (October 2026):

RuPay Platinum and Select also get a 1% fuel surcharge waiver (₹400–₹5,000 transactions, capped at ₹250 per cycle) and NPCI accident cover of ₹2 lakh and ₹10 lakh.

IOB also has a RuPay EKAA super premium card with hotel memberships, lounge access and concierge. But it is only for the bank's Ultra HNI customers. The older IOB Visa Classic and Gold cards are for existing cardholders only.

RuPay credit cards can be linked to UPI. See RuPay credit cards in India.

IOB credit card eligibility

Per IOB's website:

• Salaried: net monthly income of ₹15,000 or more.
• Self-employed: gross annual income of ₹3 lakh or more.
• Credit score: the limit is based on income and bureau score. A CIBIL score of 700+ is needed for IOB's international credit cards.
• No income proof or a lower score: a secured credit card against a term deposit, with a limit of 90% of the FD's principal. IOB's RuPay FAQ also says scores below 650 can get a deposit-backed limit with a 10% margin.
• NRIs with an Indian passport and an NRE/NRO account with IOB can apply.

Unsure about your score? Read the guide on the minimum CIBIL score for a credit card.

Documents for IOB credit card apply

IOB's application portal asks you to keep these ready:

• Aadhaar-registered mobile number
• PAN
• ID proof
• Address proof
• Latest ITR, or the last 3 months' salary slips with 6 months' bank statements
• ITR login credentials (optional)

How to apply for an IOB credit card online (DIY portal)

From IOB's DIY portal user manual for existing account holders:

1. Go to iob.bank.in → Digital → Cards → Credit Card → Apply Online.
2. Select Yes if you're an existing IOB customer.
3. Enter your PAN and personal email ID and submit.
4. Accept the terms. Enter the OTPs sent to your registered mobile and email.
5. Enter your Aadhaar number and name as on Aadhaar, and validate with OTP.
6. Your details are pre-filled. Fill in the remaining mandatory fields and verify your official email by OTP.
7. Upload documents in the right format and size.
8. Select the card variant and submit.
9. Note the UARAN (Unique Application Reference Number) you receive.
10. Complete the e-sign sent by email. Your application then goes for processing.

You can also apply at any IOB branch.

⚠️ Watch out: Apply only through iob.bank.in or directly at applycreditcard.iob.bank.in. Never share OTPs with anyone who calls offering an IOB card.

After you apply: tracking and activation

• Track delivery: IOB sends a Speed Post consignment number to your registered mobile. You can also call 1800 890 4445.
• Activate: IOB's customer portal → Service Request → Card Activation, or the IOB RuPay credit card app (Card Actions → Activate card).
• Set a PIN through the customer portal or the app.

Under RBI's rules, a card that isn't activated within 30 days needs your OTP consent to stay open.

IOB credit card interest and EMI

• Interest: 30% a year (annualised).
• Interest-free period: 20–50 days, depending on the purchase date.
• EMI: 13% for 3–6 months, 15% for 9–12 months, 17% for 18–24 months. Minimum ₹3,000, with a 3% pre-closure charge (₹100–₹1,000 + GST).
• Billing: cycle from the 21st to the 20th, with payment due on the 9th or 10th.

Check the real cost of an EMI with Monzy's no cost EMI calculator, and of revolving with the credit card interest calculator.

💳 Want more rewards than a public sector bank card gives? Find the best credit card for you.

FAQs about IOB credit card apply

How do I do an IOB credit card apply online?

Go to iob.bank.in → Digital → Cards → Credit Card → Apply Online. Enter your PAN and email, validate OTPs and Aadhaar, upload documents, choose a card and complete e-sign. You can also apply at a branch.

What is the minimum salary for an IOB credit card?

₹15,000 net monthly income if salaried, or ₹3 lakh gross annual income if self-employed, per IOB's website.

Can I get an IOB credit card without income proof?

Yes. IOB offers a secured credit card against a term deposit, with a credit limit of 90% of the deposit's principal.

What CIBIL score do I need for an IOB credit card?

IOB says a CIBIL score of 700+ is needed for its international credit card. With a lower score, you can get a card against a deposit.

Which IOB credit card is best?

RuPay Select suits higher limits and gives 2 domestic lounge visits a quarter. RuPay Platinum is a good middle option. Visa Platinum suits low spenders who can meet the ₹60,000 fee waiver.

How do I track my IOB credit card application?

Use your UARAN for queries, track delivery with the Speed Post number sent by SMS, or call IOB at 1800 890 4445.

Conclusion

An IOB credit card apply takes about 15 minutes on the DIY portal if you're an existing customer with documents ready. Pick RuPay Platinum or Select for lounge access, or a secured card if you don't have income proof.

Disclaimer

This article is for informational purposes only and doesn't constitute financial advice. Card features, eligibility and charges are taken from Indian Overseas Bank's website and DIY portal manual as of October 2026, and can change. Read IOB's MITC and schedule of charges before applying.