All Benefits
- A premium lifestyle & travel card offering complimentary airport lounge access
- monthly golf games & lessons
- buy-one-get-one movie tickets
- Total Protect insurance, 24x7 concierge
Fees
Joining Fee
choose from Montblanc luxury products, a stay at The Postcard Hotel, or Vouchagram vouchers
₹17,700
₹15,000 + GST
Annual Fee
Not applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹83.3K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup
3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)
Finance charges of 3.83% per month (46% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.83%
ATM Withdrawal
2.5% of the withdrawn amount is charged on cash advances using the credit card, minimum ₹300, if applicable
2.5%
Reward Redemption
₹100 redemption fee per redemption
₹100
Railway Surcharge
A surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment
A surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque Payment
A fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal
₹250
Cash Payment
A fee of ₹100 is levied for cash payments made at IndusInd Bank branches
₹100
Late Payment Charges
| Amount due | Fee |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹500 | ₹100 |
| ₹5000 | ₹750 |
| ₹8000 | ₹1200 |
| ₹10,000 | ₹1300 |
| ₹10,000 & above | ₹1300 |
Late payment charges are 15% of the Total Amount Due from the previous statement, minus any payments received before the due date (minimum ₹100, maximum ₹1,300)
Reward Exclusions
Terms & Conditions
- The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
- A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
Full charges and terms: Bank MITC / Terms