Author
LoansJagat Team
Read Time
7 Min
24 Jun 2025
IndusInd Bank Credit Card – Features, Rewards & How to Apply
Let’s say Akash is tired of the poor reward points and low discount offers of his ATM debit card. Whenever he tries to redeem his reward points or cashback offers on any purchases, the results are futile, as his ATM debit cards offer minimal benefits:
- 1% cashback
- 0.5% fuel waiver
Not wanting to exhaust his savings on purchases, he explores various credit card issuers online. His search leads him to IndusInd
Bank Credit Cards, known for their rewarding benefits.
Today’s blog highlights IndusInd Bank Credit Cards and their diverse advantages.
IndusInd Bank credit cards are perfect for avid shoppers and frequent travellers, offering special discounts on every purchase.
With a smooth application process and personalised card options, they make shopping experiences more rewarding, convenient, and enjoyable for all cardholders.
Example: Akash can pay ₹ 3,566 from any one of Indusind Bank’s credit cards for purchasing a Bluetooth speaker.
How to select the Right Credit Cards?
According to the different financial needs and the bank’s criteria, one must be able to select the right credit card. The following types of credit cards are widely predominant in the financial sector:
S. No | Card Type | Description |
1 | Standard Credit Cards | This is a basic credit card with a certain credit limit and standard benefits for all transactions. |
2 | Rewards Credit Card | This credit card offers many rewards points, suitable for avid shoppers. |
3 | This credit card is exclusively designed for travel lovers who spend on bookings and other reservations. | |
4 | Premium Credit Cards | This is a premium card for people with high incomes. |
5 | Co-branded Credit Cards | This card can be used at specific sellers’ outlets that are in partnership with the card issuer. |
Example: If Akash spends at least ₹ 10,000 for branded textiles, he can opt for co-branded credit cards, which have a surplus of discounts like 50%, 10% cashbacks, and many others.
Indusind Bank Credit Card and its Types
1. Indusind Bank Platinum Visa Credit Card
This is a high-end credit card from IndusInd Bank, which has a joining fee of ₹ 3,000. This cardholder is entitled to receive various luxurious offers and special discounts for every transaction.
Features | Benefits |
Welcome Bonus | Innumerable special offers from elite brands such as Montblanc, Vero Moda, ALDO, and William Penn.
Eligible for luxurious gift cards to redeem at Amazon and Apollo Pharmacy. |
Reward Points | 1.5 reward points for ₹ 150 purchases.
Reward rate starts from 0.5% to 1.5%. |
Travel | Complimentary lounge access to selected 1000 lounges across the country. |
Fuel Surcharge | 1% waiver on fuel surcharge on transactions between ₹ 400 and ₹ 4,000. |
Insurance | Insurance coverage for accidental air death, lost baggage, loss of ticket, and loss of passport.
Coverage starts from ₹ 25,000 to ₹ 1,00,000. |
Concierge Services | 24/7 availability of assistance for bookings and other reservations. |
Additional Benefits | 4 free complimentary golf games, with 4 lessors per year.
Eligible for Auto-Assist services. |
Example: Akash can avail of 24/7 concierge assistance in one of the select lounge access, and can have a fuel transaction of ₹ 800 with a 1% waiver, and make his travel plan wherever he wants.
Fees and Other Charges
Fee Type | Charges |
Joining Fees | ₹ 3,000 |
Annual Fees | NIL |
Annual Percentage Rate | 46% |
2. Indusind Bank Indulge Credit Card
This credit card is exclusively designed to avail luxurious offers. This credit card is made up of 22K gold inlay and incorporates a lot of premium offers.
Features | Benefits |
Travel Benefits | Eligible for 6 complimentary domestic lounge visits in a financial quarter of a year.
Priority Pass members can access international lounges in all four quarters of the year. |
Reward Points | 1.5 reward points for all transactions.
Eligible for 1 reward point for spending ₹ 100 on weekdays.
2 reward points for spending ₹ 100 on weekends. |
Insurance Benefit | Eligible for personal air accident coverage worth ₹ 2.5 crore.
Availability of card liability protection for thefts, loss, and fraudulent transactions. |
Concierge Services | Eligible for personal concierge services on 24/7 for travel bookings and hotel reservations. |
Entertainment | Buy one movie ticket, and get another one free, only at BookMyShow.
25% discount for movie bookings on BookMyShow. |
Example: Under this credit card, Akahs can get a ₹ 437.5 discount for booking a ticket in BookMyShow for the MRP ₹ 1,750.
Fees and Other Charges
Fee Type | Charges |
Joining Fees | ₹ 2,00,000 |
Annual Fees | NIL |
Annual Percentage Rate | 46% |
3. Indusind Bank Duo Credit Card
This is a unique card with dual usages of both debit and credit. It is quite budget-friendly, which comes with the joining fees of ₹ 249.
Features | Benefits |
Welcome Bonus | 100 points on the first transaction.
50 points on first transactions at e-commerce platforms.
100 points on transactions made via internet banking and mobile banking.
100 points for making transactions at the Indusind Bank ATM. |
Insurance Benefit | Coverage of ₹ 1,00,000 for loss of baggage.
Coverage of ₹ 25,000 for loss of ticket
Coverage of ₹ 50,000 for loss of passport. |
Fuel Surcharge |
Eligible for a 1% waiver on fuel surcharge on transactions between ₹ 400 and ₹ 4,000. |
Concierge Services |
Eligible for personal concierge services on 24/7 for travel bookings and hotel reservations. |
Additional Benefits | Only 2% mark-up fees for cross-currency.
Buy one movie ticket and get another one free, only at BookMyShow. |
Example: Here, Akash can get 2% markup fees for cross-currency:
- If he pays ₹ 8625.33 for $ 100, then he will be charged ₹ 172.50 for the Indian Rupees.
Fees and Other Charges
Fee Type | Charges |
Joining Fees | ₹ 249 |
Annual Fees | NIL |
Annual Percentage Rate | 46% |
4. Indusind Bank Legend Credit Card
This is a premium luxurious credit card, helps the cardholder enjoy a luxurious lifestyle, dining, hotel reservations, and travel. This
card comes with a one-time joining fee of ₹ 9,999.
Features | Benefits |
Reward Points |
1 reward point for spending ₹ 150 on weekdays, and 2 reward points on weekends. |
Milestones | Eligible for 4,000 bonus points for spending ₹ 6,00,000 in a year. |
Lounge Access |
Eligible for 2 complimentary domestic lounge accesses in a financial quarter.
Availability of complimentary priority pass membership for 600 lounges worldwide. |
Fuel Surcharge | 2.5 % surcharge waiver for fuel transactions at any petrol outlets. |
Insurance Coverage | Air accidental insurance coverage of ₹ 25,00,000.
Eligible for insurance coverage for loss of baggage, passport, and ticket. |
Concierge Services | Eligible for personal concierge services on 24/7 for travel bookings and hotel reservations. |
Additional Benefits | Eligible for 3 free movie tickets on BookMyShow in a month
50% special discount on food and beverages.
Entitled to avail EazyDiner Prime Membership of ₹ 3,550. |
Example: If Akash makes ₹ 1,500 for a fuel transaction, then he gets ₹ 37.5 as the surcharge waiver.
Fees and Other Charges
Fee Type | Charges |
Joining Fees | ₹ 9,999 |
Annual Fees | NIL |
Annual Percentage Rate | 46% |
5. Indusind Bank Avios Visa Infinite Credit Card
This is a travel credit card, suitable for frequent air travellers. This card is co-branded with two international airline companies, namely Qatar Airways and British Airways. This card comprises numerous rewards and benefits on travel-related spending.
Features | Benefits |
Travel | 10% discount for flight bookings on the websites of Qatar Airways.
Eligible for a 10% special discount on Privilege Club Members on flights originating from India, booked via Qatar Airways Platforms. |
Lounge Access | Eligible for 2 international lounge accesses.
Eligible for 2 domestic lounge accesses. |
Insurance | Insurance coverage of ₹ 1,00,000 for loss of baggage.
Entitled to receive ₹ 25,000 for delayed baggage.
₹ 50,000 can be availed for the loss of a passport.
Loss of ticket and missed flight connections can avail ₹ 25,000. |
Forex Mark-up Fees | Low fees of 1.5% at selected locations. |
Rewards |
6 Avios for spending ₹ 200 on POS transactions at selected international locations.
5 Avios for spending ₹ 200 on the websites of Qatar Airways and British Airways.
1 Avios for ₹ 200 spent on utilities and insurance. |
Milestones | Eligible for an 18,000 bonus after spending ₹ 8,00,000 in a year. |
Example: If Akash books ₹ 80,000 for a flight ticket in Qatar Airways, he will get a 10% discount, making him pay only ₹ 72,000. (₹ 80,000-₹ 8,000).
Fees and Other Charges
Fee Type | Charges |
Joining Fees | ₹ 10,000 |
Annual Fees | ₹ 5,000 |
Annual Percentage Rate | 36% |
FAQs
1. What is the annual percentage rate for Indusind Bank Legend Credit Card?
The Annual Percentage Rate of the Indusind Bank Legend Credit Card is 46%.
2. What is the annual percentage rate for the Indusind Bank Avios Visa Infinite Credit Card?
This credit card incorporates 36% as the annual percentage rate.
3. What are the joining fees for the Indusind Bank Platinum Visa Credit Card?
As of now, ₹ 3,000 is the joining fee.
4. What is the fuel surcharge for the Indusind Bank Platinum Visa Credit Card?
It is a 1% waiver on the fuel surcharge on transactions between ₹ 400 and ₹ 4,000.
5. Which credit card of Indusind can be used as both a credit card and a debit card?
Only the Indusind Bank Duo Credit Card can be used as a credit card and debit card.
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LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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