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IndusInd Bank has introduced the Vrddhi Business Card, which is specifically designed to support and provide stability to businesses and businesses. With such a card, you can easily manage your professional credit spends. Each transaction you make with the Vrddhi Credit Card is rewarded. Earn 2 Reward Points on each domestic spend of Rs. 100 and 4 Reward Points on each international spend of Rs. 100. If you frequently travel for business, this card offers an additional benefit of 3 complimentary domestic lounge accesses per quarter.

Keep reading for more details regarding this credit card, along with our review. 

IndusInd Bank Vrddhi Business Card

Joining Fee

Rs. 10,000 + GST

Renewal Fee

Rs. 4,999 + GST

Best Suited For

Business Expenses |

Reward Type

Reward Points |

Welcome Benefits

Vouchers Worth Rs. 10,000

Movie & Dining

100% Dining Discount Up to Rs. 250 with EazyDiner

Rewards Rate

 2 RPs for Every Rs. 100, 4 RPs on Rs. 100 Spent Internationally & Early Payment Benefit of 100 RPs

Reward Redemption

At IndusMoments



Domestic Lounge Access

3 Complimentary Visits Per Quarter

International Lounge Access




Insurance Benefits

Travel & Business Insurance is Included

Spend-Based Waiver

Annual Fee Waiver on Spends of Rs. 1 Lakh

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

1.89% of the Total Amount

Interest Rates

1.99% Monthly & 23.88% Yearly

Fuel Surcharge

1% on Fuel Transactions Between Rs. 400 and Rs. 4000

Cash Advance Charges


  • Low rate of interest.
  • 2 RPs for every Rs. 100 spent and 4 RPs on international spends made with this card.
  • 1% fuel surcharge waiver.


  • This credit card has a low monthly interest rate of 1.99%. 
  • You get free lounge access with this card.


  • Although you get benefits worth the same, the joining fee of Rs. 10,000 is quite high. 
  • There aren’t any golf or movie benefits associated with this card. 

Vrddhi Business Card Features 

Welcome Benefits

  • Vouchers worth Rs. 10,000 from many popular brands like Pantaloons, Bata, Raymond, Hush Puppies, PVR, Sleepwell etc. 
  • You must contact the bank for the welcome gift vouchers within 120 days of paying the joining fees.
  • The e-voucher will be valid for a period of six months.
  • You can contact them at 1860 267 7777 or write to them at [email protected].

Joining Fee Waiver

Waiver of joining fee if spends of Rs. 4 lakh are made within 90 days of card issuance. 

Annual Fee Waiver

The annual fee is waived if spends of Rs. 1 lakh or more are made in a card anniversary year.

Complimentary Lounge Access

With the Vrddhi Business Card, you will get three complimentary domestic lounge visits in a quarter, i.e. 12 visits in a year.

Travel Insurance

Domestic Coverage-

Coverage Sum Insured (INR)
Medical Expenses – Accidents Only 1,00,000
Accidental Death – (Common Carrier Only) 1,00,000

International Coverage-

Coverage Sum Insured (US $)
Medical Expenses – Accidents Only 1,250
Accidental Death – (Common Carrier Only) 1,250

Business Insurance

You would be provided with business insurance with this credit card, which would add a sense of additional safety. 

Coverage Sum Insured
Burglary (Contents Including Stocks) 3,00,000
BSUS (Contents Including Stocks) 3,00,000

Vrddhi Business Card Rewards

Here are the Rewards you can earn while making payments with this card. 

  • 2 Reward Points on spends of Rs. 100.
  • 4 Reward Points on international spends of Rs. 100. 
  • 1,000 Reward Points on making six utility bill payments within the first six months of card issuance.
  • Get 100 Reward Points for making early credit card bill payments.

Reward Points can be redeemed at IndusMoments

How to Apply for Vrddhi Business Credit Card?

You can apply for the Vrddhi Business Credit Card online and offline. You can visit your nearest branch or follow these steps to apply for the card.

  • Click on the Apply Now button.
  • You will then be redirected to IndusInd Bank’s website.
  • Fill in your particulars and submit your application.
  • The bank shall process your application, and you shall be notified when it is approved.

Vrddhi Business Card Review

The IndusInd Bank Vrddhi Business Card is a well-rounded offering with a focus on rewarding business-related expenses. While the joining fee is relatively high, the welcome benefits, reward points system, and additional perks such as lounge access and insurance coverage make it a compelling choice for business users, especially those who can take advantage of the fee waivers. By spending Rs. 1 lakh, you can waive the card renewal fee, and on making spends of Rs. 4 lakh, you can also waive the initial joining charge. 

Applicants should carefully consider their needs and spending patterns to determine if the card benefits align with their financial goals. You can tell us your thoughts or ask any further queries regarding this card in the comments below.


Yes, you can use your IndusInd Bank Business Card outside of India.
Yes, with the IndusInd Bank Business Card, you shall earn reward points for offline and online spends.
You shall receive 100 Reward Points for making early bill payments. 
IndusInd Bank Vrddhi Business Card

IndusInd Bank Vrddhi Business Card


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