First-year fee
₹75,000 to join.
Annual fee
₹10,000 a year.
What it gives back
Get 2.5 Reward points on every ₹100 spent on international transactions; 1 Reward point on every ₹100 spent on domestic transactions.
How it compares
Compared with the cards we have read
Fees
Joining fee
₹75,000 to join.
Annual fee
₹10,000 a year.
Add-on card fee
Add-on Card Fee: NIL
Rewards
Reward rate
Get 2.5 Reward points on every ₹100 spent on international transactions; 1 Reward point on every ₹100 spent on domestic transactions.
Reward caps
Effective 1st September 2024, maximum reward points allowed for cash redemption will be 10000 per calendar month
What one reward unit is worth
Reward Points: Cash Credit in ratio of 1RP - Re 0.75.
Card benefits
Domestic lounge access
Effective 1st April, 2026 spends criteria tracking will be initiated to unlock complimentary domestic lounge access from July, 2026 quarter onwards.
International lounge access
Enjoy complimentary lounge access outside India, with 2 visits per cardholder per calendar quarter.
Dining programme
Get ₹3000 off on your total bill amount at 100+ exclusive restaurants
Golf
Golf benefit: 2 complimentary games and 2 complimentary lessons per month, effective 10th March 2026
Movie or entertainment ticket benefit
Enjoy up to 3 free movie tickets per month with Buy One Get One Offer from BookMyShow
Also included
Fuel surcharge waiver
Enjoy a waiver of 1% fuel surcharge at any petrol pump across India.
Lost card liability
Unauthorised Transactions in case of loss/ theft of Card: We provide an insurance cover up to 48 hours prior to you reporting the loss of your Card to IndusInd Bank
Add-on card eligibility
Card (s), whether Primary or Add-On, will not be issued to any person less than 18 years of age.
Charges
Forex markup
3.5% on foreign currency transactions.3.5% foreign currency mark-up
Cash advance fee
Cash advance charges 2.5% of the advance amount, minimum ₹300
Interest on unpaid balance
2.99% per month (36% per annum)
Interest-free period
Interest-free credit period of up to 50 days
Late payment fee
Nil to ₹1,300 by outstanding balance (₹1,300 above ₹50,000)
Over-limit fee
2.5% of Over Limit Amount, subject to a minimum of ₹500
Payment return or dishonour fee
Returned payments: ₹250
Card replacement fee
Re-issue/Replacement: ₹100 for All Other Credit Cards.
Education / school fee charge
1% Fee + GST on the cumulative spends on education payments transactions made through third-party websites and applications more than ₹45,000 in a statement cycle
Wallet load charge
1% Fee + GST on the cumulative spends on wallet loading transactions more than ₹20,000 in a statement cycle
Rent transaction fee
1% Fee + GST levied on each transaction on rent payments through third-party merchants
Utility transaction fee
1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle
Grace days after the due date
Grace period of 3 days is allowed from the payment due date on Credit Card Accounts, where payments are not overdue; late payment charges are levied when the account remains past due for more than 3 days.
Minimum amount due
100% of EMI amount + 100% of GST + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Retail Spends/Cash Advance/remaining balance outstanding
Eligibility
Eligibility
Not issued to any person less than 18 years of age.
Ways to redeem your points
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
Interest free credit period is applicable only if all previous dues are paid in full, and there is no unpaid balance carried over from previous month's statement outstanding dues
How we know - 7 documents from IndusInd Bank, checked 9 Nov 2026
₹10,000 a year
ApplyThe Sunday Statement.
Every Sunday. What your bank changed this week — before your statement tells you.