The Industrial Bank is a personal credit card from Industrial Bank. Application typically pulls a hard report from Experian. The annual fee is $0.00. The ongoing APR is After that, a 16.74% - 26.74% variable APR will apply. after a 0% Introductory APR on purchases and balance transfers for 12 months introductory rate for 12 months. Rewards: Unlimited 1x point on every net dollar spent, every day..