IndusInd Bank Indulge Credit Card

Joining fee

₹75,000 to join.

Annual fee

₹10,000 a year.

Add-on card fee

Waiver of Add-On card fee.

Reward rate

For every ₹100 spent, you get 1.5 Reward Points.

Reward caps

There is no cap the Reward Points that you earn. Your earning is limited by your spend.

Statement-credit redemption

With the IndusInd Bank Indulge Credit Card, you can redeem these points for cash credit on your Credit Card account, for Air miles with any of our partner airlines or avail exclusive offers on www.indusmoments.com

Point expiry

The Reward Points on your IndusInd Bank Indulge Credit Card are valid throughout the lifetime and do not expire.

Domestic lounge access

unlocking from July 2026 quarter onwards

Priority Pass

outside India (effective 13th March 2025)

Golf

4 complimentary games and 4 complimentary lessons per month (effective 10th March 2026)

Fuel surcharge waiver

Waiver of fuel surcharge is applicable across all petrol pumps in India; the waiver can be availed only when payment is made through the Card.

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.

Forex markup

1.8% on foreign currency transactions.1.8% foreign currency mark-up

Cash advance fee

Waived for Indulge

Interest on unpaid balance

1.79% Monthly Rate, 21.48% Annual Rate.

Interest-free period

Interest charge-free credit period could range up to 50 days

Late payment fee

NIL up to ₹100; ₹100 to ₹1,300 by outstanding balance

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

Income/ITR should be ₹36 lakh per annum for salaried individuals and ₹42 lakh per annum for self-employed.

Income requirement

₹36 lakh per annum (salaried); ₹42 lakh per annum (self-employed)

Income, salaried

₹36 lakh per annum

Income, self-employed

₹42 lakh per annum

Documents required

PAN card; Aadhaar card and photograph mandatory; other address proofs (voter's ID; driving license.