IndusInd Bank, established in 1994, is a popular banking institution in the country offering a wide range of products and services. One such attractive product is the IndusInd credit card offering umpteen benefits such as reward points, cashback, frequent flyer miles, worldwide acceptance, etc.
When applying for a new credit card, you can get one from the IndusInd Bank website. Here is everything you need to know before you apply for an IndusInd credit card.
ON THIS PAGE: Top IndusInd Bank Credit Cards | Eligibility | Documents | Fees & Charges | Reward Programs | IndusInd CC Customer Care | How to Apply | IndusInd Legend CC FAQs
Here are some top credit cards from IndusInd Bank:
IndusInd Bank Platinum Card
IndusInd Bank Duo Card
IndusInd Bank Signature Legend Card
IndusInd Bank Crest Credit Card
IndusInd Bank Pioneer Legacy Card
Here are the features and specifications of some of the top IndusInd credit card variants:
Ideal for: Travel, dining, and shopping
Features: This IndusInd Bank credit card helps you earn higher reward points in the following way:
Use your credit card for purchases
Earn reward points on every transaction of ₹100
Call the customer care team and credit your accumulated points to the card account
Note that your weekday spend can fetch you 1 reward point for every transaction of ₹100, while the same transaction can earn you 2 reward points on weekends. Apart from these, enjoy other features like pre-trip assistance and reservations to ensure hassle-free travel.
Additionally, you can get a complimentary membership worth of ₹3,550 during the first year with EazyDiner Prime.
Joining Fee: ₹9,999 with applicable taxes
Ideal for: Shopping and travel
Features: This credit card lets you enjoy a range of elite benefits. A few of them have been outlined below:
Earn up to 2.5 and 1 credit card reward points on international and local spends for every transaction of ₹100
Avail complimentary lounge access at domestic and international airports
Enjoy discounts of up to ₹3,000 at partner restaurants
Get one ticket free when you buy one on the BookMyShow platform
Joining Fee: ₹1 Lakh
Ideal for: Travel
Features: The IndusInd Bank Duo card offers dual debit and credit card benefits. Here are a few features of this card:
Earn up to 1 reward point on every ₹150 transaction
Buy 1 movie ticket on BookMyShow and get one free
Avail priority pass membership when travelling
Get travel insurance benefits
Avail up to ₹30 Lakhs accidental cover when travelling via air
Joining Fee: ₹1,500
Ideal for: Rewards in shopping and movies
Features: This IndusInd credit card lets you earn both welcome and monthly bonus reward points. Apart from this, here are a few features:
Enjoy a welcome bonus of 1000 payback points
Earn 2 payback points for all transactions of ₹100
Get 20 payback points for every transaction of ₹100 spent on movies
Enjoy complimentary access to the PAYBACK Plus membership
Joining Fee: ₹249 + GST
Ideal for: Rewards on shopping
Features: The Platinum Visa Credit Card lets you earn rewards faster so that you can use it to save more. Here are a few additional features of the credit card:
Get one movie ticket free when you buy one
Earn 1 reward point on every transaction of ₹150
Enjoy umpteen gift vouchers as welcome benefits
Get travel insurance and accidental air cover
Joining Fee: ₹999
Ideal for: Shopping
Features: The Platinum Aura Edge credit card lets you explore a range of attractive rewards and the flexibility to choose your preferred reward plan. Check out a few features of this IndusInd credit card:
4 reward points on every spend of ₹100
Air accident cover
Welcome benefits such as Bata and EazyDiner gift vouchers
1% waiver on fuel
Priority pass membership option
Joining Fee: ₹500
Ideal for: Travel and shopping
Features: The IndusInd credit card comes with a host of attractive welcome gifts and other features mentioned below:
2.5 reward points on every transaction of ₹100
Get one movie ticket free when you buy one on BookMyShow
Air accident coverage up to ₹25 Lakhs
Fuel surcharge waiver of 1%
Access to domestic and international lounges
Joining Fee: ₹12,999 plus GST
Ideal for: Flexible Payment
Features: The IndusInd Bank Nexxt Credit Card is the first interactive card that lets you switch between payment options (credit, rewards, or EMI) when you use the card at Point-of-Sale (PoS) outlets. Apart from this, a few features have been mentioned below:
Enjoy welcome gift vouchers
Get 1 ticket free when you buy one
Earn reward points on every transaction of ₹150
Avail a personal accident cover of up to ₹25 lakhs
Joining Fee: ₹3,499 + GST
IndusInd lifetime free credit cards are a notable perk but there are other benefits too. Be it an IndusInd Bank free credit card or any other type, here are a few key benefits you get:
You can earn reward points for every transaction on the IndusInd credit card. While these points may vary according to the card type, you can redeem them in umpteen ways.
When you get an IndusInd credit card, you can enjoy welcome benefits such as complimentary movie tickets, bonus points, gift vouchers, etc.
Even if you don’t have an IndusInd Bank lifetime free credit card, you can still enjoy zero annual fees as long as you exceed the milestone spending required for getting an annual fee waiver.
You can enjoy complimentary domestic and international airport lounge access with certain IndusInd Bank credit cards.
The reward points you accumulate on your IndusInd Bank credit cards have no expiry date. This way, you can continue earning points until you’re ready to redeem them. That’s not all. You can also convert your reward points into cash to pay your outstanding bills.
The eligibility criteria for getting an IndusInd Bank credit card are as follows:
You have to be a minimum of 21 years of age
You must be less than 60 years or the retirement age, whichever is earlier
You must have a monthly income of ₹20,000 or more
You should have at least 2 years of work experience
You must have completed at least 1 year in your current organisation
In case the current residential address is rented, you must have completed a minimum of one year’s stay at the address. Note that the eligibility criteria may vary with the credit card type. Do check out the card-specific requirements before applying.
Along with your IndusInd credit card application, you have to submit certain documents as proof of identity, address, and income.
In case your current residential address is not the same as that mentioned on the Aadhaar card, you may need to provide additional proof of residence document
Bank statements or salary slips for the last three months
The IndusInd Bank credit card rewards are designed to help you save on all your transactions. Every time you use the card to pay, you earn IndusInd CC reward points you can redeem against garments, fashion accessories, home appliances, cosmetics, electronics, gift vouchers, airline miles, etc.
The type of rewards you can earn against a few top card variants are mentioned below:
IndusInd Bank Credit Card
IndusInd Bank Legend Credit Card
IndusInd Bank Crest Credit Card
Earn 1 reward point for every ₹100 spent on domestic purchases
Earn 2.5 reward points for every ₹100 spent on international purchases
IndusInd Bank Duo Credit Card
Earn 1 reward point for every ₹150 spent on the card
IndusInd Bank Payback Credit Card
Earn 2 reward points (maximum 20 reward points) for every ₹100 spent
Earn 1.5 reward points for every ₹150 spent
IndusInd Bank Platinum Aura Edge Visa Credit Card
Earn up to 4x reward points on select merchant categories. (1 reward point = ₹0.50)
IndusInd Bank Pinnacle Credit Card
Earn 2.5 reward points for every ₹100 spent on e-commerce transactions
IndusInd Nexxt Credit Card
Earn 1 reward point for every ₹150 spent
As an IndusInd cardholder, you can redeem the accrued points using the following redemption options;
Avail cash credit of ₹1 at every reward point
Enjoy the AirMiles option of 100 InterMiles for 100 reward points
Redeem your points at IndusMoments to buy gift vouchers and products
To get an IndusInd credit card, you can apply via the bank’s official website in the following way.
Select ‘Credit Cards’
Enter essential details
Verify your mobile number with the OTP
Check out the best credit card offers after validation
Fill in the application form and provide the required documents
Submit the application for processing
Alternatively, you can apply for an IndusInd Bank credit card offline by contacting customer care at 1860 267 7777 (within India), or 022 4406 6666/022 4220 7777 (outside India). In addition, you may visit your nearest IndusInd Bank branch to get your preferred card.
Contact the customer care team on 1860 267 7777 to know the status of your card application. Once the application is processed, you can get details via SMS on your mobile number.
Additionally, you may visit the nearest branch to get the credit card application status.
If you want to explore other popular bank credit cards such as the Axis Bank credit card, SBI credit card, RBL Bank credit card, HDFC Bank credit card, ICICI Bank credit card, etc., you can check out the Bajaj Markets website. Compare various options and choose the one that best fits your requirements.
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Yes, you can get add-on cards depending on the type of card you choose.
Yes, you can get airport lounge access at domestic and international airports based on the card variant.
IndusInd Bank credit cards attract a joining fee and an annual membership fee. There are also specific cards that are lifetime-free credit cards. Other charges levied on the card, based on usage, are interest charges, late payment charges, and over-limit charges.
Do note that all purchases do not attract interest charges as the cards offer a 50-day grace period. However, in the case of credit card cash withdrawal, you are required to pay interest on the withdrawn amount from the transaction date till the final date on which the payment is cleared.
After activating your IndusInd credit card, you can view and manage your credit card expenses online via the IndusInd credit card net banking page. You can also make credit card payments using the IndusInd credit card mobile app.
However, fees and charges may vary based on the credit card type. So, understand the charges associated with specific cards before applying.
Depending on your unused credit limit, you can get pre-approved loans.