1 Reward Point for every ₹150 spent, with Reward Points that never expire and, unusually for IndusInd, no de-rating on utility, insurance, government, education or rent spends
Redemption at POS with the Rewards button, on the IndusMoments catalogue, through Pay with Rewards TWID at Swiggy, McDonald’s, BookMyShow, Ixigo, Jio, BBPS bill payments
Buy One Get One free movie tickets on BookMyShow, up to 2 free tickets a month each capped at ₹200
Fees
Joining FeeChoice of one welcome gift at select fee points only Montblanc voucher, Postcard Hotel stay voucher, Vouchagram or Vouchagram Premium
₹11,800
₹10,000 + GST
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
18-70 years
Salary
₹20K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.50% 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ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹300, if applicable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 cash redemption (w.e.f. 1 April 2025) and ₹100 per redemption for all other categories, plus applicable GST
₹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
₹250
Cash PaymentA fee of ₹100 is levied for making payment of credit card dues in cash 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)
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
