IndusInd Bank
IndusInd Bank Indulge Credit Card
Annual Fee
Lifetime FreeBase Reward
1.5% points
Foreign Markup
1.8% + GST
Welcome Benefits
N/A
Product Highlights
- First credit card in Indian sub-continent with pure 22K gold inlay.
- No pre-set credit limit.
- 1.5 Reward Points for every ₹100 spent using the card.
- Complimentary domestic and international lounge access.
- 24×7 concierge service.
Fee Waiver
Annual Fee Waiver on Spends of ₹10 Lakh Each Year
Reward Calculator
Earns ₹1,125/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
4.5K
IndusInd Reward Points
₹1.1K
via statement credit · ₹0.25/pt
Effective rate
0.38%
Annual fee
FREE
Year 1 net
+₹1,125
Year 2+ net
+₹1,125
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
1.8%Charged on every international (non-INR) transaction
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
1.5 Reward Points for every ₹100 spent using the card. Buy One Get One Offer on BookMyShow (Capped at ₹700). ₹3,000 Voucher from EazyDiner (Twice Each Year).
- Reward Points Redeemable Against Cash Credit, IndusMoments, or KrisFlyer Miles. 1 Reward Point = ₹1.
Benefits & Features
Domestic: 6 complimentary domestic lounge access per quarter under the Visa Lounge program. International: Four Complimentary International Lounge Access Using Priority Pass. Complimentary Priority Pass membership.
Pros & Cons
Pros
- High reward rate of 1.5 Reward Points for every ₹100 spent.
- Complimentary Priority Pass membership.
- Unlimited complimentary access to golf games at selected golf courses.
- Personal air accident cover worth ₹2.5 crores.
Cons
- High annual fee of ₹10,000.
- Joining fee of ₹75,000 + GST.
Additional Info
A maximum of 10,000 reward points can be redeemed in a statement cycle.
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
Salaried
₹36.0L+
Self-Emp
₹42.0L+
Networks
Fee Waiver
Annual Fee Waiver on Spends of ₹10 Lakh Each Year