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IndusInd Bank credit cards offer a rewarding way to make the most of your spending. You can accumulate points on various purchases and redeem them for a variety of options, making your everyday expenses more rewarding. You can exchange these points for world-class experiences and products listed by the bank.

How to Earn Rewards on IndusInd Bank Credit Cards

IndusInd Bank rewards you for your everyday spending with its credit card program. Here's how you can rack up points:

Everyday Shopping

Earn points on everyday purchases like groceries, clothing, and dining, depending on your card variant.

Bonus Categories

Many IndusInd Bank cards offer bonus points in specific categories like travel, fuel, dining, or online shopping. Maximise your points by using your card for these purchases.

Welcome Benefit

Some cards offer a welcome bonus upon card activation and meeting specific spending criteria.

Milestone Bonus

Certain cards reward you with bonus points upon reaching specific spending milestones throughout the year.

Earn on Referrals

Refer IndusInd Bank credit cards to friends and family to earn bonus points on card issuance and spending by the referred individual (subject to terms and conditions).

How to Check IndusInd Bank Credit Card Reward Points

You can know about your IndusInd Bank Credit Card reward points in the following ways:

1. Through the IndusMoments Website:

You need to follow these simple steps to know about your accumulated credit card reward points:

  1. Visit www.indusmoments.com, the reward points portal of the bank

  2. Choose the type of credit card that you have

  3. Log in to your credit card account with the help of your registered number and your card’s last four digits

  4. Check the top right corner of the page to know your credit card reward points  

2. Through IndusInd Bank’s Helpline:

You can call on the IndusInd Bank helpline at 1860-267-7777 to know your accumulated credit card reward points.

IndusInd Credit Card Rewards Catalogue

You can redeem your IndusInd Credit Card reward points for multiple offers. These rewards are divided into certain categories, and each category encompasses various products. 


Here are these categories:

  • Flights

  • Dining

  • Spas

  • Deals

  • Electronics

  • Charity

  • Redemptions

  • Insta Vouchers

  • Books and eBooks

  • Home and kitchen

  • Credit card concierge

  • Cash credits (1 point = ₹1)

  • Automotive accessories


The following table can give you a general idea of the value of reward points for redemptions:

IndusInd Credit Card Reward Points

Available Rewards


₹0.40-₹1 in cash value


100 InterMiles / 50 ClubVistara Points

Note: The cash value of rewards varies across credit cards.You must keep in mind some specific terms and conditions while signing up for the IndusInd Bank’s loyalty programme:

  • If you are an IndusInd Credit Card holder, you are not obliged to participate in the loyalty programme; it is entirely voluntary

  • If you exceed the limit for credit card use, you will face disqualification

  • You cannot alter or cancel a confirmed order

  • The products are delivered at the address provided at the time of purchase, regardless of your registered address with the bank

  • Gift vouchers are subject to their separate terms and conditions set by their issuer

  • IndusInd Bank cannot be held responsible for any losses, damages, costs, expenses or charges incurred by a customer who is part of the loyalty programme

  • All concerns, queries and complaints will be handled by IndusMoments, not IndusInd Bank

  • You can return defective products, and the charges can get refunded, only if you contact IndusMoments customer care within 48 hours of the product's delivery 

  • Replacements are carried out within 15 days from the date of informing and the refund policy only applies to cash transactions

How to Redeem Reward Points on IndusInd Bank Credit Cards

Once you've accumulated enough points, it's time to redeem them! IndusInd Bank offers a variety of redemption options through their online portal or mobile app:

You can redeem the IndusInd Bank Credit Card reward points through the following modes:

Via the IndusInd Bank Helpline:

You can redeem IndusInd Bank Credit Card reward points by calling the banking phone number or online. The contact number for the IndusInd Credit Card customer care is 1860 267 777. You can place a request with the bank, specifying your choice. 

Via Website of IndusMoments:

Follow these steps to redeem the IndusInd Bank Credit Card reward points:

  1. Head to www.indusmoments.com, which is the bank’s reward points portal

  2. Choose your credit card from the available options 

  3. Log in to your credit card account using your registered number and the last four digits of your credit card

  4. Choose the ‘Redeem’ option from the menu bar and choose from the available products and gift vouchers

  5. Fill your cart with the products and vouchers and then click on ‘Checkout’

  6. Finish the process by providing your credit card details

Frequently Asked Questions:

How are IndusInd Bank Credit Card reward points calculated?

The point earning rate varies depending on your card variant and the spending category. Typically, it ranges from 0.5 to 5 points per ₹100 spent. Find the specific point earning rate for your card below: 

Card Name

Reward Points

IndusInd Bank Legend Credit Card

0.70 Reward Points for every ₹100

IndusInd Bank Platinum Credit Card

0.7 Reward Points for every ₹150

IndusInd Bank Platinum Aura Edge Credit Card

1.4 Savings Points for every ₹100

(does not apply to Real Estate/Rental Payments)

Can I use my points for part payment of my credit card bill?

Yes, most IndusInd Bank Credit Cards allow you to redeem points for partial bill payments. The conversion rate for points to statement credit will be specified in the program terms and conditions.

Do my points expire?

Yes, IndusInd Bank Reward Points typically expire after 3 years from the date of earning. However, specific cards might offer extended validity periods. Always check your card statement or the IndusInd Bank website for details.

Can I transfer my points to someone else?

No, IndusInd Bank reward points are not transferable to other individuals.

What happens to my points if I cancel my card?

Points may be forfeited upon card cancellation. Refer to your card's terms and conditions for specific details.

Do all transactions earn points?

No, points are typically not earned on certain transactions like fees, cash advances, and fuel surcharges. Refer to your card statement or program details for exclusions.

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