IndusInd Bank
IndusInd Bank Signature Visa Credit Card
Annual Fee
Lifetime FreeBase Reward
1.5% points
Foreign Markup
3.5% on all foreign currency transactions.
Welcome Benefits
Get a luxurious stay at any of the best Oberoi hotels.
Product Highlights
- One complimentary stay at Oberoi hotels
- Get 1.5 Reward Points for every spend of ₹100
- Buy one get 1 free offer on booking movie tickets through BookMyShow
- Get complimentary Priority Pass Membership
- Get 2 complimentary lounge visits per quarter
- Get 1 complimentary golf game each month at selected golf courses
- 1% fuel surcharge waiver
Reward Calculator
Earns ₹1,125/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
4.5K
IndusInd Signature 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
3.5%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
You earn 1.5 Reward Points for every ₹100 spent on all purchases. You earn 0.75 Reward Points on every ₹100 spent on utility and insurance categories. No reward points will be earned on fuel transactions.
- 1 Reward Point = ₹1 against cash credit; 1 Reward Point = 1 InterMile; 1 Reward Point = 1 CV Point.
Benefits & Features
Domestic: 2 complimentary domestic lounge access every quarter. Complimentary domestic lounge access every quarter.
Pros & Cons
Pros
- High reward rate of 1.5 points on all spends
- Complimentary movie tickets
- Complimentary golf sessions
- Priority Pass membership for lounge access
Cons
- High joining fee of ₹50,000
- No reward points on fuel transactions
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks