Unique transaction-based Rewards Program earning up to 10 Reward Points per transaction min ₹500
complimentary 3-month Zomato Gold membership
1-year Times Prime membership worth ₹1,199 on annual spends of ₹2 lakh
2X Reward Points on all spends in the 12th month Loyalty Bonus, on staying active the previous 11 months
5% cashback annually on early payment of total dues
Fees
Joining Fee3 Months Zomato Gold Membership
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% 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 → ₹3.50 ₹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ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable
2.5%
Reward Redemption₹149 redemption fee per redemption for cash redemption; ₹100 for all other category redemptions
₹149
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of 1% applies on rental transactions made using the credit card
1%
Cheque PaymentA fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal returned payments
₹250
Cash PaymentA fee of ₹100 is levied for cash payment of the credit card bill at an IndusInd Bank branch
₹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
Only earning conditions apply minimum transaction value of ₹500 (transactions below ₹500 earn no Reward Points)and Reward Points are capped up to the credit limit per statement cycle
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.
