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COFFERCards. Points. Value.
IndusInd Bank Solitaire Credit Card
IndusInd Bank

IndusInd Bank Solitaire Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns Reward Point

First-year fee

₹30,000 to join.

Annual fee

₹10,000 a year.

INR 10,000 (waived off on spends of INR 10 lakhs or more in previous anniversary year)

What it gives back

1 Reward Point per ₹100 · everyday spends

Read from 7 IndusInd Bank documents, last checked 18 Oct 2026.

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Our calculation

0.5% value back

Every ₹1,00,000 spent at this rate earns about 1,000 points, worth about ₹500 at the value IndusInd Bank states for a point.

IndusInd Bank's rate: “1 Reward Point on every INR 100 spent” Proof
The bank’s words

“Earn 1 Reward Point on every INR 100 spent*”

IndusInd Bank's point value: “1 Reward Point = ₹0.50” Proof
The bank’s words

“Get Cash Credit in the ratio of 1 Reward Point = ₹ 0.50.”

How it compares

Compared with the cards we have read

₹10,000 annual fee: of the 273 other open cards whose annual fee we have read, 255 state a lower one, 3 state the same and 15 state a higher one.

No forex markup: one of 29 cards that state none, out of the 292 open cards whose forex markup we have read.

0.5% value back by our calculation: of the 49 other open cards we can work this out for, 20 return less, 17 return the same and 12 return more.

Fees

  • Joining fee

    ₹30,000 to join.

  • Annual fee

    ₹10,000 a year.INR 10,000 (waived off on spends of INR 10 lakhs or more in previous anniversary year)

  • Fee waiver rule

    Waived off on spends of ₹10 lakhs or more in previous anniversary year

  • Add-on card fee

    ₹0

Welcome offer

  • Welcome benefit

    Complimentary Taj Epicure Preferred Membership for one year; EazyDiner Prime Membership for One Year; complimentary MoneyControl Pro Membership.

Rewards

  • Reward rate

    1 Reward Point per ₹100 · everyday spends1 Reward Point on every ₹100 spent.

  • Utilities earning

    Reward points earning on utility bill payments, insurance premium, government services, Educational Institutes, Real Estate and rental payments will be 0.70 Reward Point for every ₹100 spent.

  • Reward exclusions

    Fuel transactions will not accrue any reward points.

  • Catalogue redemption

    1 Reward Point = ₹0.50.

  • Airline and hotel partners points may move to

    Convert your Reward Points to Airmiles with our Airline Partners (Krisflyer)

Card benefits

  • International lounge access

    4 complimentary International lounge visits per quarter.

  • Domestic lounge access

    4 complimentary Domestic lounge visits per quarter; spends criteria tracking will be initiated to unlock complimentary domestic lounge access from July, 2026 quarter onwards

  • Dining programme

    EazyDiner Prime Membership for One Year: Guaranteed 25% and up to 50% discount at over 2000 best restaurants in India and Dubai

  • Golf

    4 complimentary green fee access for guests, not exceeding 1 complimentary guest green fee in a calendar quarter; 12 complimentary golf lessons every year, not exceeding 3 lessons in a calendar quarter.

  • Milestone benefits

    Spend ₹1 lakh in first 30 days from card issuance date and earn 5000 Bonus Reward Points.

Also included

  • Fuel surcharge waiver

    Enjoy a waiver of 1% on fuel surcharge at any fuel station in the country.

  • Lost card liability

    Insurance cover up to 48 hours prior to you reporting the loss of your card

  • Medical and hospitalisation cover

    Health insurance coverage of up to USD 25,000 in case of hospitalization due to accidental injury or illness while on an international trip

  • Travel insurance

    Health insurance coverage of up to USD 25,000 while on an international trip; Lost baggage ₹1,00,000, Delayed baggage ₹25,000, Loss of passport ₹50,000, Lost ticket ₹25,000, Missed flight connection ₹25,000

Charges

  • Dynamic currency conversion markupForex markup

    0%

  • Cash advance fee

    2.5% of the advance amount subject to a minimum of ₹300

  • Interest on unpaid balance

    3.83% Monthly Rate, 46.00% Annual Rate.

  • Interest-free period

    Up to 50 days

  • Late payment fee

    Waived

  • Over-limit fee

    2.5% of Over Limit Amount subject to a minimum of ₹500

  • Payment return or dishonour fee

    Returned payments: ₹250

  • Statement or duplicate statement fee

    Duplicate physical statement request: ₹100 per statement (beyond last 3 months)

  • 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 made through third-party websites and applications more than ₹45,000 in a statement cycle

  • Reward redemption fee

    For Cash Redemption — ₹149 w.e.f 1st April 2025. For all other category Redemption — ₹100

  • 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

    Nil

  • Utility transaction fee

    1% Fee + GST on the cumulative spends on utility payments transactions more than ₹25,000 in a statement cycle

  • GST note

    GST: at the current rate, as notified by Ministry of Finance, Government of India

  • 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

In the terms, not the brochure (2)

  • 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

  • What must be paid with the card for the cover to apply

    Medical cost covered may vary as per location; the insurance will be provided on reimbursement basis only

How we know - 7 documents from IndusInd Bank, checked 18 Oct 2026

7 documents from IndusInd Bank, checked 18 Oct 2026.

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₹10,000 a year

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