Credit Card Policy

our policy governing the credit card services

Learn more about the internationally accepted master card affiliated credit card from TMB viz. India Card.

Credit Card Policy

This is among our fast selling product which allows the facility of credit purchase and convenience of not carrying cash around. The India Card Credit Card can be availed from us at very attractive APR rates apart from generous free credit days and good credit limit.

Now call our 24x7 All India Toll Free No. 1800 220 088 for reporting LOSS of TMB India Card. The Number has been provided by Bank of India with whom we have tied up for the Credit Card Business.

Registration for Additional Security Code ID as per RBI Mandate

Effective from 01.08.2009: Reserve Bank of India has mandated a system of providing for additional authentication / validation based on information not visible on the cards for all on-line card not present transactions.
Click Here to Register for 3DS Authentication

Fee Details:

Fees / Charges for India Card
Joining Fee / Admission Fee (One Time Only)
Personal Card Joining FeeRs. 150
Corporate Card Joining FeeRs. 150
Add-on Card Joining FeeRs. 150
Membership Fee / Annual Fee (p.a.)
Personal Card FeeRs. 250
Corporate Card FeeRs. 250
Add-on Card FeeRs. 150
Renewal Fee (p.a.)
Personal Card RenewalRs. 250
Corporate Card RenewalRs. 250
Add-on Card RenewalRs. 250
Replacement / Regeneration Fee
Personal Card ReplacementRs. 200
Corporate Card ReplacementRs. 200
Add-on Card ReplacementRs. 200
Photo CardRs. 50 Extra
Card Lost / Stolen / Deactivation
Hot Listing ChargesRs. 200
Cash Withdrawal Facility / Cheque Encashment Facility
Cash Withdrawal Commission2.50% (Min. Rs. 20)
Rate of Interest for Overdraft
Rate of Interest on Overdraft (Temporary O/D)Click MCLR Rates of Interest for MCLR based interest rates. For further details please contact our nearest branch.
Current Base Rate for Lending (BR) is 0.00% p.a.

Note: Goods & Service Tax (GST) as applicable at prevailing rates. The above charges are with effect from Jan 01, 2005 and subject to revision from time to time.

All the above Terms and Conditions are subject to change and sanctioning of the loans is at the sole discretion of the Bank. Goods & Service Tax (GST) on All Service Charges extra wherever applicable.

For complete details governing the credit card services offered by the bank, please refer to our Credit Card Policy (Format: Adobe "PDF" Document).