Top 10 IndusInd Bank Credit Cards

Card NameAnnual FeeBest For
Indulge Credit CardRs. 10 000Travel & Lifestyle
Crest Credit CardRs. 10 000Health & Lounge Access
Pinnacle Credit CardNilTravel & Lifestyle
Legend Credit CardNilTravel & Lifestyle
Nexxt Credit CardFor details regarding annual fee contact IndusInd customer care toll free number 1860-500-5004Shopping & Entertainment
Duo Credit CardNilTravel & Entertainment
Iconia Credit CardNilTravel & Entertainment
Payback Credit CardNilShopping & Cashback
Platinum Aura Edge Credit CardNilTravel & Shopping
Pioneer Legacy Credit CardFor details regarding annual fee contact IndusInd customer care toll free number 1860-500-5004Travel & Lifestyle

 

Benefits

Following are the benefits of IndusInd bank Credit Cards.

  • The facility of balance transfer: IndusInd Credit Card offers the benefit to transfer the balance from one credit card to another or to transfer the amount to any other account.
  • Customised cards: IndusInd Bank offers customised cards to cater to individual requirements.
  • Loan against credit card: IndusInd Bank offers instant personal loans on credit cards with doorstep service facility.
  • Spending limit:  IndusInd bank credit card has an advantage of the "No pre-set spending limit". This facility enables the cardholder additional spending over and above the limit set for the card.
  • Discounts: With IndusInd bank credit cards you can enjoy great discounts from travel to dining. IndusInd Bank has a tie-up with top brands to offer this discount, cash back and reward points privileges to its cardholders.

Eligibility

The following are the eligibility criteria to apply for IndusInd Bank Credit Cards: 

  • The applicant should be in the age group between 21 years to 65 years.
  • Both Resident Individuals and NRIs are eligible for the card.
  • The applicant should have a regular source of income. The minimum income required varies for each card. The basic income requirement is Rs. 3 lakhs p.a.
  • The credit score should be above 750.

Documents

The following documents are required to apply for IndusInd Bank Credit Card. 

  • Proof of Identity such as Aadhar Card, Voter’s ID Card, Pass Port, Driving Licence and PAN Card.
  • Address Proof such as Aadhar Card, Passport, Driving Licence, Utility bills, Rental Agreement, Credit Card Statement/ Pass sheet of other banks not older than 3 months.
  • Income Proof such as IT Returns, form 16 of latest Salary Slips.

Fee & Charges

Type of ChargeAmount
Interest charge 3.83% p.m. 
Late payment chargesNil – Rs. 700
Over limit charges2.5% of over limit, minimum Rs. 500
Cheque return chargesRs. 250
Cash Advance Charge2.5%, minimum Rs. 300 (waived for Legend Credit Card)
Balance enquiry charges on non-IndusInd ATMsRs. 25
Machine surcharge at ATMsAs applicable
Foreign-currency mark-up fee3.5%

IndusInd Bank Credit Card Reward Points

Name of the Credit CardReward Points for all SpendsReward Points for spends under Special Category
Indulge Credit Card1.5 reward points for every Rs. 100 spentNo special category reward points
Crest Credit Card
  • 1 reward point for every Rs. 100 spent on domestic transactions.
  • 2.5 reward points for every Rs. 100 spent on international transactions
No special category reward points
Pinnacle Credit Card1 reward points for every Rs. 100 spent at Point of Sale terminals

2.5 reward points for every Rs. 100 spent online.

Online transactions for travel and hotel bookings are excluded for E-commerce transactions and will earn 1 reward point for every Rs. 100 spent.

Legend Credit Card1 reward point for every Rs. 100 spent on weekdays2 reward points for every Rs. 100 spent on weekends
Signature Credit Card1.5 reward points for every Rs. 100 spent.No special category reward points
DUO Credit Card1 reward point for every Rs. 150 spentNo special category reward points
Iconia Credit Card0.75 reward points for every Rs. 100 spent on weekdays1 reward point for every  100/- spent on weekends
Platinum Select Credit Card1 reward point for every Rs. 150 spentNo special category reward points
Platinum Aura Credit Card0.5 reward points for every Rs. 100 spent.
  • 4 reward points at spends at Departmental stores.
  • 2 reward points for spends on consumer durables.
  • 1.5 reward points on Restaurant bills and purchase of books.
Platinum Aura Edge Credit CardEarn 0.5 reward points for every Rs. 100 spent
  • 1.5 reward points for books and restaurant bills.
  • 2 reward points for spends on durable utility articles.
  • 4 reward points on spends at Departmental stores.
Pioneer Legacy Credit Card1 reward point for every Rs. 100 spent on weekdays2 reward points for every Rs. 100 spent on weekends
Pioneer Heritage Credit Card
  • 1 reward point for every Rs. 100 spent on domestic transactions.
  • 2.5 reward points for every Rs. 100 spent on International transactions.
No special category reward points
IndusInd Bank Payback Credit Card
  • 5 payback points for every Rs. 100 spent on groceries, shopping and dining delights.
  • 20 payback points for every Rs. 100 spent on movie tickets.
  • 2 payback points for every Rs. 100 spent on utilities, insurance and other miscellaneous items.
  • 500 payback points for Rs. 20,000 or more spent in a month.
  • 4000 payback points for Rs. 2,00,000 or more in a membership year.

Bill Payment Options for IndusInd Bank Credit Card

The IndusInd Credit Card payments can be made through: 

  • Auto-Debit: Cardholders can give standing instructions to debit the credit card dues to their bank account.
  • NACH: This is an online form which can be filled by the cardholders. It authorises the bank to debit the credit dues to the cardholder?s bank account.
  • Cheque/Draft: You can also make the card outstanding payment through a Cheque/Draft.
  • NEFT: Credit Card outstanding dues can be made through NEFT also. You have to mention the card number in place of the beneficiary account number.
  • Bill Desk: You can pay your bills through the bill desk by following 3 simple steps:

Provide your IndusInd Bank Credit Card details

  • Enter your IndusInd Bank Card Number and the amount you would like to pay.
  • Select the bank account through which you would like to make the payment.
  • You will be directed to the payment interface of your chosen bank.

Confirm Payment

  • Enter your authentication details like Net Banking User ID and Password of your Bank Account.
  • Confirm the payment amount.
  • Your account will be debited immediately.
  • IndusInd bank Credit Card account will be credited within 3 working days.

Receive Online Payment Confirmation.

  • On completion of the process a transaction acknowledgement screen will appear.
  • This will indicate whether the payment was successful or not.
  • If the payment is shown as a failed transaction, then make another payment.
  • If you the failed/successful status is not displayed on the screen do not initiate another payment before confirming debit to your bank account.

Pioneer Heritage Credit Card:

  • The following Welcome Gifts available on the card.
  • Gift Voucher from Oberoi Hotel.
  • Access to 14 International brands with Genesis Gift Voucher.
  • 20% on BookMyShow on Events and Theatre Bookings using the card.
  • Book a movie ticket and get another one absolutely free.
  • You can avail of 3 free tickets in a month.
  • Avail of complimentary Lounge Key membership.
  • 850 plus lounges in 400 airports in 120 countries can be accessed using the card.
  • Facility for 2 free visits for a cardholder per quarter is available. Guest visits are chargeable.
  • Access business facilities, phones, conference spaces, internet, fax machines and, email in some of the lounges.
  • Snacks and refreshment at airports will be provided free of cost.
  • Enjoy a discount on foreign currency mark-up fee for foreign currency transactions done.
  • You get complimentary air accident insurance up to Rs. 25 lakhs, insurance as well as total protection up to your credit card limit.
  • Team of global experts who are a part of 24 x 7 concierge service will assist you throughout your travel.
  • Contactless card facility is available.

Payback Credit Card:

  • The following are the Welcome Gifts on the card.
  • Get 1000 Payback points as welcome bonus on payment of one-time joining fee of Rs. 249 + GST. These points will be credited to your Future Privilege Membership account within 30 days of payment of joining fee.
  • With complimentary future privilege membership, you can avail a 10% discount throughout the year at Big Bazar, Central, FBB, Brand Factory etc.
  • 1% fuel surcharge waiver at all fuel stations.
  • Assistance from a team of global experts available for any task round the clock.
  • Assistance for any on -road emergencies like vehicle breakdown, flat tyre, loss of vehicle key, accident management and medical aid is available with Auto Assist.
  • Travel Protect gives cover for unauthorised and fraudulent transactions on your card up to your credit limit.
  • Complimentary personal air accident cover up to Rs. 25 lakhs is available.

Features

Given below are the detailed features of IndusInd Bank Credit Cards under various categories.

Indulge Credit Card: 

  • You will get access to events like Art fairs and important museum show openings around the world.
  • A Celebrity Chef chosen from the list of Celebrity Chef provided will give you the experience of personalised dinner. This facility is provided for Indulge Credit cardholders located in either Mumbai or Delhi.
  • You can enjoy the privilege of a Green Fee player. This will give you access to premium golf clubs across India, Singapore, and Thailand.
  • You can also enjoy the privilege of getting trained by highly qualified golf instructors. This benefit is available at select Golf Clubs in India.
  • Interest as low as 1.79% per month.
  • Waiver of 1% surcharge on fuel. This is applicable for transactions between Rs. 400 and Rs. 4,000.
  • You can get access to premium airport lounges across India. Enjoy 4 complimentary lounge visits per quarter on your card.
  • You can avail the service of a team of global experts to take care of all your needs.
  • Book a movie ticket on BookMyShow and get another ticket free. The free ticket value is capped at Rs. 200 and anything over and above this has to be borne by the cardholder.

Crest Credit Card:

  • Enjoy 24 x 7 assistance to take care of all your needs.
  • Advance Medical Cover available for self, spouse, children, and parents.
  • You will have access to a Personal Health Advisor who will personally coordinate with the whole process
  • You will have access to a network of more than 50,000 of the world’s leading medical experts.
  • You get support in finding and organising appointments with top experts.
  • You will get on-going medical support before, during and after treatment.
  • Also, you will have the advantage of quality follow-up
  • Enjoy 15% discount on the Texas Medical Concierge Membership Program that serves every family member’s healthcare needs.
  • Interest at 2.99% p.m.
  • Complimentary Lounge Key access
  • Gain access to over 850 International Airport lounges across 120 countries.
  • Special Services at the Airport.
  • Get a reservation for dining using the card.

Pinnacle Credit Card:

  • You are entitled to the following welcome gifts with Pinnacle Credit Card:
  • One- way free ticket for the journey of your choice by Jet Airways.
  • Promo codes of Jet Airways can be used to avail 100% discount on base airfare and airline fuel charges.
  • Experience a memorable stay at luxury hotels from the Oberoi group of Hotels.
  • Get access to 14 international brands through Genesis Luxury Vouchers.
  • Get access to VIP events like Art Fairs, museum show openings etc. around the world.
  • Enjoy complimentary golf games and lessons at leading golf clubs.
  • Book a movie ticket on BookMyShow and get another ticket free. You can avail of this facility 3 times in a month.
  • Access to 700+ lounges across the world.
  • You can avail special waivers on lounge usage charges with Travel Plus.
  • Can get insurance cover up to Rs. 1 lakh for lost baggage, Rs. 25,000 for delayed baggage, Rs. 50,000 for loss of passport, Rs. 25,000 for a lost ticket, and Rs. 25,000 for a missed connection.
  • Exclusive Direct Connect assistance for instant assistance.
  • 24 X 7 concierge service. Pre-trip assistance, Hotel reservation assistance, Flight booking assistance, etc., are available as a part of the concierge service.
  • Roadside repair service, emergency fuel supply service, lost key assistance and flat tyre assistance with Auto- Assist from IndusInd Bank.
  • Waiver of 1% fuel surcharge at any fuel station in India.
  • Insurance cover up to the card limit available under Total Protect. This insurance cover is available on the add-on card as well. It offers protection against fraudulent transactions and unauthorised transactions in the event of loss of your card.

Legend Credit Card:

  • The following Welcome Gifts are available for the card.
  • Enjoy three fully one-way domestic tickets of a sector and date of your choice.
  • Get promo code from Jet Airways and avail 100% discount on base fare and airline fuel charge.
  • Enjoy a luxurious stay at any of the Oberoi Chain of Hotels.
  • Get access to 14 international brands with Genesis Luxury Vouchers.
  • Choose from a luxury collection of jewellery, watches, writing instruments and eyewear by Montblanc.
  • You can avail of complimentary golf games and lessons at leading clubs at Ahmedabad, Chennai, Hyderabad, Delhi NCR, Bengaluru, Mumbai, and Pune.
  • Book a ticket on BookMyshow and get another ticket absolutely free. You can avail up to 3 tickets a month.
  • Enjoy a discount on foreign currency mark-up fee for foreign currency transaction done.
  • Gain access to over 600 airport lounges across the world with Complimentary Priority Pass.
  • Avail special waiver on lounge usage charges outside India with Travel Plus Program.
  • You get insurance cover up to Rs. 1 lakh for lost baggage, Rs. 25,000 for delayed baggage, Rs. 50,000 for loss of passport, Rs. 25,000 for a lost ticket, and Rs. 25,000 for a missed connection.
  • Free personal air accident cover available up to Rs. 25 lakhs.
  • Pre-trip assistance, Hotel reservation assistance, Flight booking assistance, etc., are available as a part of the concierge service throughout the clock.
  • Roadside repair service, emergency fuel supply service, lost key assistance and flat tyre assistance, battery assistance, and emergency towing assistance with Auto Assist from IndusInd Bank.

Nexxt Credit Card:

  • The following welcome gifts are available on the card.
  • Book your favourite restaurants at a tap and get great deals and discounts with Eazy Diner. Eazy Diner is a one-stop-shop for instant table bookings for a convenient dining experience.
  • Choose from an exclusive range of products with Satya Paul fashion brand.
  • Enjoy a luxury stay at one of the best Oberoi Hotels.
  • Get access to over 14 international brands with Genesis Luxury Vouchers.
  • Choose from an exclusive collection of watches, jewellery, writing instruments, leather goods and eyewear from Mont Blanc.
  • Get vouchers from premium apparel brands like Raymonds, United Colour of Benetton, Mark and Spencer, Armani, Lious Phillip and Pantaloons.
  • Get vouchers from Titan Company Ltd, Hidesign, Hush Puppies, and Woodland, Aldo and William Penn
  • Buy one movie ticket and get the other one absolutely free. You can get 2 free tickets in a month.
  • Buy one movie ticket at Satyam Cinemas and get another one absolutely free. You can avail up to 4 tickets a month. This facility is valid only in Chennai.
  • You get a complimentary personal air accident cover up to Rs. 25 lakhs and protection up to your credit limit.
  • Avail 24 X 7 concierge service for Flight booking, Hotel reservation, Pre-trip assistance, etc.
  • Exclusive assistance for any on -road emergencies during a road trip from Auto Assist.
  • Fuel surcharge waiver of 1% at all petrol pumps.

Duo Credit Card:

  • Get one free movie ticket per month with every movie ticket you purchase.
  • With Travel Plus you can enjoy a waiver on special charges for usage of lounges outside India.
  • Get waiver of 1% fuel surcharge for refueling at any petrol pump across the country.
  • You get complimentary air accident insurance up to Rs. 25 lakhs, insurance on lost or delayed baggage, loss of passport or ticket, a missed connection as well as total protection up to your credit card limit.
  • 24 x 7 assistance from their team of global experts with Concierge Services available on Duo Card.

Iconia Credit Card:

  • The following Welcome Gifts are available on the card.
  • Holiday Gift Voucher from MakeMy Trip E-Gift Card.
  • Gift Vouchers from Montblanc, Aldo, William Penn, Armani, Titan, Pantaloons, Hide sign, Woodland, United Colour of Benetton, Louis Phillipe, Hush Puppies, and Satya Paul.
  • You can avail 100% discount on base airfare and airline fuel charges with Jet Airways promo code.
  • Book a movie ticket in a month and get another ticket absolutely free.
  • Gain free access to 600+ airport lounges with complimentary Priority Pass Membership.
  • With Travel Plus you get a waiver on special charges for usage of lounges outside India.
  • Enjoy the privilege of free golf games and lessons at leading golf clubs at designated locations.
  • Pre-trip assistance, Hotel reservation assistance, Flight booking assistance etc., are available as a part of the concierge service.
  • Get waiver of special charges for usage of lounges outside India with Travel Plus.
  • Avail complimentary personal accident cover up to Rs. 25 lakhs and total protection up to your credit limit.
  • Avail 1% waiver on fuel surcharge at any petrol pump.
  • Roadside Repair Service, Emergency Fuel Supply Service, Lost Key Assistance, Flat Tyre Assistance, Battery Assistance, and Emergency Towing Assistance and Accident Management and Medical Assistance with Auto- Assist from IndusInd Bank.

Platinum Select Credit Card:

  • The following Welcome Gifts are available on this card.
  • You can book your favourite restaurant with Eazy Diner, a one-stop-shop for restaurant bookings.
  • You get a holiday gift voucher from MakeMy Trip E-Gift Cards and Gift vouchers from Satya Paul, the fashion brand.
  • Book a movie ticket and get another ticket absolutely free. You can avail of 2 free tickets in a month.
  • Get access to over 600+ airport lounges with the complimentary Priority Pass.
  • Round the clock Concierge service available.
  • With Auto Assist you get Roadside Repair Service, Emergency Fuel Supply Service, Lost Key Assistance, Flat Tyre Assistance, Battery Assistance, and Emergency Towing Assistance and Accident Management and Medical Assistance.
  • Waiver of 1% on fuel surcharge is available at all petrol pumps.
  • You can avail of complimentary personal accident cover up to Rs. 25 lakhs.
  • Total protection up to your credit limit available in case of fraudulent or unauthorised transactions is done using your card.

Platinum Aura Edge Credit Card:

  • The following Welcome Gifts are available on this card.
  • Convenience to book your favourite restaurant with Eazy Diner.
  • Gift vouchers from MakeMy Trip E-Gift Card, Armani, Aldo, Pantaloons, Mark and Spencer, United Colour of Benetton, Raymonds, Hidesign, Woodland and, Titan.
  • With Travel Plus you can enjoy a waiver on special charges for usage of lounges outside India.
  • Get access to over 600+ airport lounges with complimentary Priority Pass membership.
  • Get waiver of 1% fuel surcharge for refueling at any petrol pump across the country.
  • You get complimentary air accident insurance up to Rs. 25 lakhs, as well as total protection up to your credit card limit.
  • 24 x 7 assistance from their team of global experts with Concierge Services available on Duo Card.
  • With Auto Assist you get Roadside Repair Service, Emergency Fuel Supply Service, Lost Key Assistance, Flat Tyre Assistance, Battery Assistance, and Emergency Towing Assistance, Accident Management and Medical Assistance.

Pioneer Legacy Credit Card:

  • The following are the Welcome Gifts available for the card.
  • Gift Vouchers from Oberoi Hotel.
  • Access to 14 International brands through Genesis Gift Vouchers
  • Enjoy complimentary golf games and lessons at leading golf clubs at designated locations.
  • Book a ticket and get another ticket absolutely free. This facility can be availed three times in a month.
  • Book a ticket at Satyam Cinema and get a free ticket. You can avail of 4 free tickets a month. This offer is valid only in Chennai.
  • Enjoy a discount on foreign currency mark-up fee for foreign currency transactions done.
  • Gain free access to over 600+ airport lounges with a complimentary Priority Pass membership.
  • Get waiver on additional service charges for usage of lounges outside India.
  • Get waiver of 1% fuel surcharge at any petrol pump across the country.
  • You get complimentary air accident insurance up to Rs. 25 lakhs, insurance as well as total protection up to your credit card limit.
  • 24 x 7 assistance from their team of global experts with Concierge Services.
  • With Auto Assist you get Roadside Repair Service, Emergency Fuel Supply Service, Lost Key Assistance, Flat Tyre Assistance, Battery Assistance, and Emergency Towing Assistance and Accident Management and Medical Assistance

Balance Transfer: How to use the BT feature and what are the Benefits?

IndusInd Credit Card offers the benefit to transfer the balance from one credit card to another or to transfer the amount to any other account

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IndusInd Bank Credit Card FAQs

✅ What are the eligibility criteria for IndusInd Credit Cards?

The eligibility criteria for IndusInd Bank Credit Cards are:

  • The applicant should be in the age group of 21 to 65 years.
  • Should have a regular source of income.
  • Both residents and Non-resident Individuals are eligible for the card.
  • The credit score should be above 750.

✅ What are the documents required to apply for IndusInd Credit Cards?

The documents required are Photo Identity Proof, Address Proof and Income Proof along with the relevant application form.

✅ How to apply for the IndusInd Bank Credit Card?

You can apply for the card online through the official website of the Bank or by visiting the nearby branch and submitting the relevant documents.

✅ What are the modes of credit card dues payment?

The credit card dues can be paid via: 

  • By giving auto debit instructions to debit the dues from the bank account of the cardholder.
  • By submitting an online authorisation form to debit the bank account for the credit card dues.
  • By cheque/draft or through NEFT.
  • Card dues can also be paid through bill desk.

✅ Is there a facility for add-on cards?

Yes, add-on card facility is available for IndusInd Credit Cards.

✅ What is the free credit period available for the card?

A free credit period up to 50 days is available for the card. This is not applicable if the total dues are not paid.

✅ What are the over limit charges collected?

The charges collected for utilising the card beyond the limit is 2.5% on the amount of over limit with a minimum of Rs. 500.