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Track the IndusInd Bank credit card fees and associated charges to maximise your borrowing capacity. These may include annual fees, joining fees, late payment penalties, foreign transaction fees, etc.
Joining Fee
Fuel Surcharge Waiver
Airport Lounges' Access
IndusInd Bank provides a range of credit cards, from regular ones to ones across categories like rewards, travel, premium, and co-branded credit cards. Before applying for one, assess the charges and fees associated with IndusInd Bank credit cards.
These charges generally apply during certain scenarios including the following:
If you use your credit card to withdraw cash from an ATM
If you make payments in foreign currency
If you spend more than the available credit limit
If you transfer the balance from your existing credit cards to make the most of reduced interest
A joining fee is a one-time payment that you make when applying for a credit card. An annual fee, on the other hand, is a fee that you may have to pay once per year to continue using the card.
Credit Card Variant |
Joining Fees |
Annual Fees |
|---|---|---|
NIL |
NIL |
|
NIL |
NIL |
|
NIL |
NIL |
Disclaimer: Note that the fees and charges mentioned above can vary at the discretion of the bank.
You can use your credit card to withdraw cash when you need instant financial support. In case you do, you will be charged an interest on the transaction amount from the time you withdraw till you clear the payment.
Cash Withdrawal Charges |
2.5-3.5% of the transaction amount (up to a minimum of ₹250-₹500) |
Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank’s website to get the list of IndusInd Bank credit card charges and fees.
This charge is levied when you transact in a foreign currency. It is also applicable when you make a purchase from international vendors or foreign-based vendors in India. Consider the following table to understand the IndusInd Bank credit card forex charges.
Foreign Currency Mark-up Charges |
Up to 3.5% of the transaction amount (1.8% for the IndusInd Bank Legend Credit Card) + Taxes |
Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank’s website to get the list of IndusInd Bank credit card charges and fees.
Opting for this facility helps you shift the outstanding dues from your existing card to another one. The bank may levy certain processing fees when you initiate the balance transfer process.
Balance Transfer Charges |
3% on the amount being transferred |
Disclaimer: Note that the fees and charges mentioned above can vary at the discretion of the bank.
In case you exceed the credit limit allotted to you by the issuer, you will have to pay a penalty charge.
Over-limit Charges |
2.5% of the over-limit amount given a minimum of ₹500 |
Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank’s website to get the list of IndusInd Bank credit card charges and fees.
If you fail to make your payments on the due date, you will have to pay certain late payment charges. These charges vary based on the total amount that is outstanding on your card.
Outstanding Balance |
Charge |
|---|---|
Up to ₹100 |
Nil |
Between ₹101 - ₹500 |
₹100 |
Between ₹501 - ₹1,000 |
₹350 |
Between ₹1001 - ₹10,000 |
₹550 |
Between ₹10,001 - ₹25,000 |
₹800 |
Between ₹25,001 - ₹50,000 |
1,100 |
Above ₹50,000 |
₹1,300 |
Disclaimer: The aforementioned charges are applicable to certain cards based on the issuer’s discretion. Kindly check the bank’s website to get the list of IndusInd Bank credit card charges and fees.
Apart from the mentioned charges, there are various other types of IndusInd Bank Credit Card fees and charges. These fees may vary per card or could be a general amount/rate applicable to all cards.
Refer to the following table to learn about a few of the other fees and charges:
Types of Charges |
General Range |
|---|---|
Returned Payment Fee |
₹250 |
Charge on Rent Payment Through Third-Party |
1% + GST per transaction |
Fee for Cash Payment at Branch |
₹100 |
Interest Rate |
1.79% - 3.95% per month (21.48% - 47.40% p.a.) |
Dynamic Currency Conversion Fee |
1% + applicable taxes |
Disclaimer: Note that the fees and charges mentioned above can vary at the discretion of the bank.
Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.
The minimum due is calculated as 5% of the total amount due. This may change at the bank’s sole discretion.
You can enjoy this card’s features and perks without having to pay a joining or annual fee.
These charges vary based on the outstanding balance.
Here is a list of charges levied.
Outstanding balance of up to ₹100: No charge
Outstanding balance between ₹101 - ₹500: ₹100
Outstanding balance between ₹501 - ₹1,000: ₹350
Outstanding balance between ₹1001 - ₹10,000: ₹550
Outstanding balance between ₹10,001 - ₹25,000: ₹800
Outstanding balance between ₹25,001 - ₹50,000: ₹1,100
Outstanding balance above ₹50,000: ₹1,300
Yes. You may have to pay up to 3.5% of the transaction amount.
The cash withdrawal charges for IndusInd Bank Credit Cards are 2.5% of the transaction amount, subject to a minimum of ₹300.
