IndusInd Bank
IndusInd Bank Iconia Visa Credit Card
Annual Fee
Lifetime FreeBase Reward
0.75% points
Foreign Markup
3.5% on all foreign currency spends.
Welcome Benefits
Various welcome benefits in the form of gift cards and vouchers including Montblanc, Luxe Gift card, the Postcard hotel, and vouchers for Amazon, Flipkart, Big Bazaar, Zee5, Apollo pharmacy, and more.
Product Highlights
- Gift cards and vouchers for various brands including BATA, BIBA, Titan, Pantaloons, Amazon, Flipkart.
- 0.75 Reward Point for every spend of ₹100 on weekdays and 1 Reward Point for every spend of ₹100 on weekends.
- Get 0.70 Reward points for every ₹100 spent on utility bills, insurances, government charges, and educational institutions fees.
- 1 complimentary movie ticket every month.
- 1 complimentary golf lesson and 1 game every quarter.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Amazon
0.75 Reward Points
Flipkart
0.75 Reward Points
BATA
0.75 Reward Points
Titan
0.75 Reward Points
Big Bazaar
0.75 Reward Points
Zee5
0.75 Reward Points
Apollo pharmacy
0.75 Reward Points
Reward Calculator
Costs you ₹0/year
Spend doesn't justify the fee. Consider a lifetime-free option.
₹25K
across all your buckets
0
IndusInd Reward Points
₹0
via statement credit · ₹0.25/pt
Effective rate
0.00%
Annual fee
FREE
Year 1 net
+₹0
Year 2+ net
+₹0
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 0.75 Reward Point for every Rs. 100 spent on weekdays and 1 Reward Point for every Rs. 100 spent on weekends. Enjoy a Buy 1 get 1 free offer on movie tickets on BookMyShow.
- 1 RP = ₹1 for redemption against cash, 1 RP = 1 InterMile / 1 CV Point.
Benefits & Features
Complimentary Priority Pass Membership for you and your add-on cardholder.
Pros & Cons
Pros
- Exciting welcome benefits including gift cards and vouchers.
- Buy 1 get 1 free offer on movie tickets.
- Complimentary Priority Pass membership.
- 1% fuel surcharge waiver.
Cons
- No annual fee but high joining fee.
- Limited lounge access with charges.
- Cash advance charges are relatively high.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks