First-year fee
₹0
Annual fee
₹0
What it gives back
upto 6 Reward Points on every ₹100
How it compares
Compared with the cards we have read
Fees
Joining fee
₹0
Annual fee
₹0
Add-on card fee
Add-on card fee: NIL (actual fees will be conveyed at the time of application)
Rewards
Reward rate
upto 6 Reward Points on every ₹100
Reward exclusions
Please Note: Accelerated Reward points will not be accrued on transactions done at select MCC categories such as fuel, utility bill payments, insurance premium, government services, Educational Institutes, Real.
What one reward unit is worth
1 Reward Point = ₹0.40 (Cash credit)
Card benefits
International lounge access
2 international lounge accesses in a year via Priority Pass.
Domestic lounge access
2 complimentary visits per calendar quarter at participating domestic lounges within India
Priority Pass
Priority Pass gives access to 600+ lounges across the world; two complimentary visits per year to participating international lounges outside India.
Golf
One complimentary golf game or lesson per quarter.
Concierge
Concierge service with 24-hour assistance, all year.
Movie or entertainment ticket benefit
One complimentary movie ticket upto ₹500 on bookmyshow.com every 6 months
Also included
Fuel surcharge waiver
1% fuel surcharge waiver across all fuel stations in India, on fuel transactions between ₹400 and ₹4000 only
Lost card liability
Total Protect: insurance cover up to 48 hours prior to reporting the loss of the card
Add-on card eligibility
Add-on cards, like primary cards, will not be issued to any person less than 18 years of age.
Charges
Forex markup
1.5% on foreign currency transactions.1.5% foreign currency mark-up on all international spends
Cash advance fee
2.5% of the advance amount subject to a minimum of ₹300
Interest on unpaid balance
3.50% Monthly Rate, 42.00% Annual Rate.
Interest-free period
Interest charge-free credit period could range 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 - 4 documents from IndusInd Bank, checked 8 Nov 2026
₹0 for life
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