IndusInd Bank Credit Cards - Fees & Charges

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. READ MORE

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IndusInd Bank Credit Card Charges

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

IndusInd Bank Credit Cards’ Joining and Annual Fees

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
IndusInd Bank Legend Credit Card	NIL	NIL
IndusInd Bank Platinum Master Credit Card	NIL	NIL
IndusInd Bank Platinum Aura Edge Credit Card	NIL	NIL

Disclaimer: Note that the fees and charges mentioned above can vary at the discretion of the bank.

IndusInd Bank Credit Cards’ Cash Withdrawal Charges

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.

IndusInd Bank Credit Card Forex Charges

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

IndusInd Bank Credit Cards’ Balance Transfer Fee

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.

IndusInd Bank Credit Cards’ Over-limit Charges

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

IndusInd Bank Credit Cards’ Late Payment Charges

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

Other Fees and Charges Associated with IndusInd Bank Credit Cards

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.

Disclaimer

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.