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What are IndusInd Credit Card Fees And Charges?

**Disclaimer: IndusInd Bank is not a Bajaj Markets’ partner. Offers would be from partner Banks/NBFCs only.

 

IndusInd bank offers an extensive range of credit cards, each with its own features and benefits. Every credit card comes with unique shopping, dining, travel, recreational benefits and rewards. Given these benefits, each card also carries certain fees and charges. Before selecting a credit card suitable for you, you should be aware of all the IndusInd bank credit card charges. Read on to know more about IndusInd credit card charges.

IndusInd Credit Card Annual Fees

Annual fees on credit cards are arguably the most important type of charge. Annual fees are charged by your bank or credit card provider automatically to your account. These charges allow you to avail the benefits that come with your card and keep your account open. Typically the higher the annual fee, the more the credit card benefits. IndusInd bank credit card annual charges vary from card to card. For instance, the IndusInd Bank Pinnacle credit card charges Rs.12,999 as annual fees, while the annual fee for the IndusInd Bank Legend credit card is Rs.9,999. Other cards such as the IndusInd Platinum credit card do not charge annual fees.

Different Types Of Fees & Charges On IndusInd Credit Cards

There are different types of fees and charges on IndusInd credit cards:

  • At Priority Pass Lounges charges: The priority pass comes in handy during travel. The charges can go up to USD 27 per head per visit.

  • Replacement or re-issue charges: The re-issuance or replacement charges are Rs.100

  • IndusInd Bank branch cash payment fees: Cash transactions at non-home bank branches are subject to a fee of Rs.100.

  • Charge slip request: Charge-slip request fees are Rs.300

  • Duplicate statement request charges: Each duplicate statement costs Rs.100

  • Late payment charges: Penalty charges for late payments depending on the payment amount.

  • Fuel surcharge: 2.5% is a waiver on transactions that fall in the range of Rs.400/- to Rs.4000/-

  • IndusInd credit card joining fee: The joining fee varies from card to card.

  • IndusInd credit card annual fee: The annual fee for upkeep also varies from card to card.

  • Interest rate: The interest rate charged stands at 3.38% per month

  • IndusInd Bank credit card cash withdrawal charges: Currently, IndusInd credit card cash withdrawal charges are 2.5% of the total cash amount withdrawn by the cardholder at one time. This fee is waived off for certain cards such as the IndusInd Legend credit card.

Payment amount

Charges

Up to Rs.100

Nil

Rs.101-500

Rs.100

Rs.501-1000

Rs.350

Rs.1001-10,000

Rs.550

Rs.10,001-50,000

Rs.1,100

Rs.25,001-50,000

Rs.1,100

Above Rs.50,000

Rs.1,300

Fees And Charges on Top 5 IndusInd Credit Cards

  1. IndusInd Bank Platinum Credit Card

    • This card does not charge any annual fees.

    • The joining fee through BankBazaar is nil, for other providers, it is Rs.3000

    • The renewal fee is also nil.

    • The card is best suited to those looking for rewards and benefits related to lifestyle, travel, movies.

    • The cardholder's minimum monthly income should be Rs.30,000.

    • The card’s benefits include a 1% fuel surcharge waiver across the country, insurance cover against frauds, and travel management.

  2. IndusInd Bank Signature Legend Credit Card

    • This card has no annual or renewal fee.

    • The joining fee is Rs.5000.

    • This card is equipped with the contactless Visa payWave feature.

    • The IndusInd Signature Legend card offers lifestyle, travel and recreational benefits along with a generous reward point system.

  3. IndusInd Bank Platinum Aura Credit Card

    • The annual fee for this credit card is Rs.200

    • The minimum monthly income of the cardholder should be Rs.30,000.

    • The credit card offers rewards on dining and groceries, as well as fuel surcharge waiver.

  4. IndusInd Pinnacle Credit Card

    • The annual fee for this card is Rs.12,999

    • This is a premium card and is ideal for those looking for lifestyle and recreational benefits such as movie discounts and free tickets. There is also a 1% fuel surcharge waiver.

    • The minimum monthly income of the cardholder has to be Rs.25,000.

  5. IndusInd Nexxt Credit Card

    • The annual income for this credit card is Rs.3499.

    • The cardholder’s minimum monthly income has to be Rs.25,000.

    • This card is the first interactive credit card in India.

    • Has flexible payment method options.

    • A reward of 1 point for every Rs.150 spent.

    • This card provides benefits such as rewards, 1% fuel surcharge waiver and lounge access.

How to avoid late fee charges on IndusInd Credit Card?

If certain IndusInd bank credit card charges or fees are not paid on time or in full each month, cardholders are required to pay late fees on the amount. The best and wisest way of avoiding late fee charges is to pay the due amount in full in a timely manner every month. Credit card providers are under obligation to give the cardholders a grace period, which lies between the end date of the card’s billing cycle and the due date for paying the balance. Ensure that as a cardholder, you have a thorough understanding of all the associated charges and payments, and keep track. Punctual payments of the full amount are the only way to prevent late fee charges on a credit card.

FAQs

  • ✔️Are there any charges for IndusInd credit cards?

    Different types of charges such as annual fee, joining fee, renewal fee, duplicate statement request charges are all applicable to IndusInd credit cards. 

  • ✔️What are the different fees & charges on IndusInd credit card?

    There are different types of fees and charges on IndusInd credit cards:

    • At Priority Pass Lounges charges: The priority pass comes in handy during travel. The charges can go up to USD 27 per head per visit.

    • Replacement or re-issue charges: The re-issuance or replacement charges are Rs.100

    • IndusInd Bank branch cash payment fees: Cash transactions at non-home bank branches are subject to a fee of Rs.100.

    • Charge slip request: Charge-slip request fees are Rs.300

    • Duplicate statement request charges: Each duplicate statement costs Rs.100

    • Late payment charges: Penalty charges for late payments depending on the payment amount.

    • Fuel surcharge: 2.5% is a waiver on transactions that fall in the range of Rs.400/- to Rs.4000/-

    • IndusInd credit card joining fee: The joining fee varies from card to card.

    • IndusInd credit card annual fee: The annual fee for upkeep also varies from card to card.

    • Interest rate: The interest rate charged stands at 3.38% per month

    • IndusInd Bank credit card cash withdrawal charges: Currently, IndusInd credit card cash withdrawal charges are 2.5% of the total cash amount withdrawn by the cardholder at one time. This fee is waived off for certain cards such as the IndusInd Legend credit card.