IOB Rewards Regalia

Name: IOB Rewards Regalia
Brand: Indian Overseas Bank
Price: 2800 INR

Points-based rewards accelerated on dining and shopping.

Premium

shopping offline

dining

Annual fee

₹2,800/yr

Waived @ ₹4.5L spend

Joining fee

₹2,800

Forex markup

3.5%

Reward value

₹0.25/pt

IOB Reward Points

Earns IOB Reward Points (points) · 1 unit ≈ ₹0.25 · expires in 24 months

Fuel excluded

Fuel

Excluded

3x on dining & shopping

Diningcap ₹3K/month

7 pts / ₹150 ≈ 1.2%

Base 2 pts / ₹150

2 pts / ₹150 ≈ 0.3%

Milestones

₹4L annual milestone

Spend ₹4L / year

₹5K value