List of Best IndusInd Bank Credit Cards in India
With the availability of so many credit cards in the Indian market, each offering so many features & benefits, it becomes difficult and confusing for people to go through the best IndusInd bank Credit Cards available in India. To help you with this, we have listed the top IndusInd Credit Cards along with their detailed features & benefits. Keep reading the article to know more:
- Joining Fee₹2,999 + GST
- Annual Fee₹2,999 + GST
- Best Suited ForTravel | Food
- Rewards TypeReward Points
Rewards Rate
10 Reward Points for Hotel, Travel, Shopping, and Entertainment Spends (~1%). 4 Reward Points/₹100 on All Other Spends (~0.4%)
Welcome Benefits
2,000 Bonus EazyPoints, Complimentary Membership of EazyDiner Prime, and Postcard Hotel Stay Voucher Worth ₹7,500
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point/₹100 for Spends on Weekdays (~0.50%) and 2 Reward Points/₹100 for Spends on Weekends (~1%)
Welcome Benefits
N/A
- Joining FeeLifetime Free
- Annual FeeLifetime Free
- Best Suited ForFood
- Rewards TypeReward Points
Rewards Rate
2 Reward Points/Rs. 100 Spent. 2X EazyPoints on Dining Spends
Welcome Benefits
3-Month EazyDiner Prime Membership and 500 Bonus EazyPoints
- Joining Fee₹499 + GST
- Annual FeeNil
- Best Suited ForFuel
- Rewards TypeReward Points
Rewards Rate
12 Smiles/₹100 Spent at Jio-bp Stations. 5 Smiles/₹100 Spent at Dining, Supermarket & Grocery. All Other Spends Shall Be Eligible for 2 Smiles/₹100 Spent
Welcome Benefits
400 Smiles on First Transaction at Jio-bp Station and Complimentary Wildbean Cafe Coupon Worth ₹200 on First Transaction at Wildbean Cafe
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
2 RPs for Every Rs 100 Spent on UPI. 1 RP for Each Rs 100 Non-UPI Transaction
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
Up to 8X Reward Points for Select Spends
Welcome Benefits
N/A
- Joining Fee₹10,000 + GST
- Annual Fee₹5,000 + GST
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
6X Avios/₹200 at Preferred Destinations (POS Only), 5X Avios/₹200 for Spends on Qatar/British Airways Website, 3X Avios/₹200 for Online Spends at Preferred Destinations and 1X Avios/₹200 for Spends on Utilities, Insurance and Government Services
Welcome Benefits
20,000 Bonus Avios
- Joining Fee₹15,000 + GST
- Annual FeeNil
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
Earn 2.5 reward points per Rs. 100 spent online, 1.5 reward points per Rs. 100 spent on online travel and flight bookings, 1 RP for spends of Rs. 100 on other purchases.
Welcome Benefits
Choose any one benefit from, a Luxe gift card, a complimentary night stay at Oberoi hotels, or gift vouchers from brands like Hush Puppies, BATA, Titan, Pantaloons, Raymond, etc.
- Joining FeeNil
- Annual Fee₹499 + GST
- Best Suited ForShopping | UPI
- Rewards TypeReward Points
Rewards Rate
5 CRED Points/₹100 for E-commerce Transactions, CRED UPI, and Transactions at CRED Store, CRED Travel, and CRED Pay
Welcome Benefits
N/A
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
4 RPs from 1st to 4th Transaction, 8 RPs from 5th to 10th Transaction and After That 10 RPs for Each Transaction
Welcome Benefits
Free 3-Month Zomato Gold Membership
- Joining FeeNil
- Annual FeeNil
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1.5 RPs per Rs. 100 spent and 1.2 RPs per Rs. 100 spent on utilities & insurance categories.
Welcome Benefits
N/A
- Joining Fee Nil
- Annual FeeRs. 199
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
1% Cashback on Spends of Rs. 20,000 in a Statement Cycle (Max Rs. 200)
Welcome Benefits
N/A
- Joining Fee₹10,000 + GST
- Annual FeeNil
- Best Suited ForMovies | Shopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point/₹150 Spent
Welcome Benefits
Gift Vouchers from Oberoi, Luxe, Postcard Hotels or Montblac
- Joining Fee₹25,000 + GST
- Annual Fee₹5,000 + GST
- Best Suited ForMovies | Travel
- Rewards TypeReward Points
Rewards Rate
1 Reward Point for every Rs. 100 you spend on domestic purchases. 3 Reward Points for every Rs. 100 you spend on international purchases.
Welcome Benefits
Vouchers Worth ₹25,000
- Joining Fee₹75,000 + GST
- Annual Fee₹10,000 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
2.5 RPs/₹100 Spent Internationally and 1 Reward Points Spent Domestically
Welcome Benefits
N/A
- Joining Fee₹75,000 + GST
- Annual Fee₹10,000 + GST
- Best Suited ForTravel | Dining | Shopping
- Rewards TypeReward Points
Rewards Rate
1.5 Reward Points/₹100 Spent
Welcome Benefits
N/A
- Joining Fee₹1,500 + GST
- Annual Fee₹799 + GST
- Best Suited ForMovies | Shopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Points per spend of Rs. 150
Welcome Benefits
Vouchers Worth ₹1,000 from Any One of the Following Brands – Bata, United Colors of Benetton, Levis, Pantaloons, Pizza Hut
Invite Only
- Joining Fee₹50,000 + GST
- Annual FeeNil
- Best Suited ForMovies | Travel
- Rewards TypeReward Points
Rewards Rate
Get 2 Reward Points on every Rs 100 spent on weekends and 1 Reward Point on every Rs 100 spent on weekdays.
Welcome Benefits
Gift Vouchers from Oberoi/Luxe
Invite Only
- Joining Fee₹100,000 + GST
- Annual Fee₹25,000 + GST
- Best Suited ForMovies | Travel
- Rewards TypeReward Points
Rewards Rate
2.5 Reward Points for Rs 100 spent on international transactions and 1 Reward Points for Rs 100 spent on domestic transactions.
Welcome Benefits
Montblanc or Qwikcilver (Woohoo) Vouchers
Invite Only
- Joining FeeNil
- Annual Fee₹25,000 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
3 RPs for All Eligible Spends and 0.7 RPs on Select Categories (Utilities, Education, Government Transactions)
Welcome Benefits
6,000 Reward Points (On Spends of ₹1 Lakh)
Invite Only
- Joining Fee₹30,000 + GST
- Annual Fee₹10,000 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
1 RP on Each Spend of Rs. 100. 0.70 RPs on Select Spends of Insurance, Utilities, Education and Rental Payments
Welcome Benefits
Free Taj Epicure, EazyDiner Prime, and Moneycontrol Pro Membership. 5,000 Reward Points on Spending Rs. 1 Lakh Within 30 Days of Card Issuance
IndusInd Bank Credit Cards Features and Benefits
With the IndusInd Bank Credit Cards, you get several exclusive features and benefits, some of which are as described below:
- Welcome Benefits: When you join an IndusInd Bank Credit Card membership, you get different types of welcome benefits with different credit cards. These benefits include bonus Reward Points, complimentary movie tickets, gift vouchers, complimentary memberships to selected platforms, and many more.
- Reward Points/Cashback: With all the IndusInd Bank Credit Cards, you get reward points/cash back every time you spend. However, these reward points can be more or less on different credit cards and for different categories. You also get a host of redemption options to use your earned Reward Points.
- Travel Benefits: Travel benefits provided by the IndusInd Credit Cards include complimentary airport lounge access, discounts on flight/hotel bookings, complimentary memberships to selected airlines/hotels, and many more.
- Movie & Dining Benefits: Some of the Top IndusInd Credit Cards offer exciting benefits over movies and dining, which include complimentary movie tickets, exclusive discounts on dining, etc.
- Other Benefits: Other benefits provided by IndusInd credit cards include insurance covers, a 1% fuel surcharge waiver, complimentary rounds of golf, and many more.
Top IndusInd Bank Credit Cards
The IndusInd Bank offers various credit cards, offering exclusive benefits over different categories, including rewards/cash back, travel, movies & dining, golf, and many more. From entry-level to super-premium credit cards, IndusInd Bank has all the types of cards in its portfolio. The list of the Top IndusInd Bank Credit Cards and their detailed benefits have been mentioned below:
IndusInd Bank Legend Credit Card
The IndusInd Bank Legend credit card is a basic lifetime free credit card offered by the bank. You achieve one reward point for every ₹100 spent on weekdays spend and 2 RPs for every ₹100 spent on weekends. In addition to this, you also get multiple redemption options to redeem the reward points earned. Some key features of this credit card are provided below.
- Earn up to 3,000 bonus reward points on spending ₹5 lakhs.
- Buy 1 and Get 1 on movie ticket booking with BookMyShow.
- Low foreign markup fee of 1.8%.
IndusInd Bank Platinum Aura Credit Card
The Platinum Aura card is an entry-level credit card that offers exclusive rewards and benefits on your purchases. You can choose from a variety of reward plans that suit your needs. Additionally, this card can be obtained with no annual fee for life. Below are some key features of this credit card.
- Travel Insurance benefits.
- Air Accident Cover of Rs 25 lakh.
IndusInd Bank Pinnacle Credit Card
This card is another top-end offering by IndusInd Bank that provides customers with exclusive benefits and privileges on every purchase made. With this card, you earn 2.5 reward points on your online spending, 1.5 reward points on spending made on flight and hotel bookings, and 0.70 reward points on every other spend using the IndusInd Bank Pinnacle credit card. The card comes with an annual charge of ₹14,999. Below are some key features of this credit card. Some of the key features of this IndusInd Bank credit card are provided below.
- Gift vouchers from exclusive partners such as Oberoi hotels, Luxe gift cards, Montblanc India, and Postcard hotels as a sign-up bonus.
- Buy 1 Get 1 on movie ticket booking with BookMyShow.
- 1 free access to domestic airport lounges every calendar quarter.
- Travel insurance benefits.
- Get 1 complimentary golf round every month at select golf courses.
- 24×7 Concierge service.
IndusInd Bank Duo Credit Card
The Duo credit card provides customers with the dual benefits of a debit card and a credit card. You are charged a nominal fee of Rs 1500. You earn up to 1 reward point on every Rs 150 spent. These reward points can be redeemed against multiple redemption options such as statement balance or IndusMoments. Here are some key features of this IndusInd Bank Duo credit card.
- Sign up for a gift voucher worth Rs 1000.
- Buy 1 Get 1 offer on movie ticket bookings on BookMyShow.
- Complimentary Priority Pass Membership.
- Travel Insurance Benefit.
- Air accidental insurance cover worth Rs 30 lakhs.
IndusInd Bank Crest Credit Card
The Crest credit card is another super-premium credit card offered by IndusInd Bank. The card comes with a hefty annual fee and is best suited for high-net-worth individuals (HNIs). You earn 2.5 reward points for every Rs 100 spent on international transactions and 1 for every Rs 100 spent on domestic transactions. Some of the key features of the Crest Credit Card are mentioned below.
- 2 Complimentary domestic lounge access every calendar quarter.
- 2 Complimentary international lounge access via lounge key membership.
- Special discounts on dining via Club ITC Culinaire membership.
- Buy 1 Get 1 on movie ticket bookings via BookMyShow.
- 24 Complimentary golf rounds annually.
- Personal Air casualty cover worth up to Rs 2.5 crores.
IndusInd Bank Pioneer Heritage Credit Card
Pioneer Heritage credit card is a world-elite credit card offered by the IndusInd Bank. The card also comes in a metal design, giving it a sleek look. You are charged a joining fee of ₹100,000 and an annual fee of ₹25,000 on this credit card. You earn 2.5 reward points on spending ₹100 and 1 reward point on every ₹100 spent. Below are some key features of this IndusInd Bank credit card.
- Luxe gift card and Oberoi gift voucher as a sign-up bonus.
- Buy 1 Get 1 on movie ticket booking with BookMyShow.
- 8 Complimentary access to domestic lounges every year.
- 8 Complimentary access to international lounges every year with Lounge Key membership.
- Unlimited lounge access, both domestic and international, with the Pioneer Heritage Metal credit card.
- A discounted markup fee of 1.8% on the transaction amount.
- Air accident protection cover worth Rs 2.5 crore.
IndusInd Bank Indulge Credit Card
This is a super premium Visa credit card offered by IndusInd Bank for high-end customers. The 22K pure gold inlay design is one of the most exciting features of this credit card. The bank provides no preset credit limit on this credit card. You earn 1.5 reward points for every Rs. 100 spent on purchases using this credit card. In addition to this, you get multiple redemption options to redeem your reward points. Some key features of this IndusInd credit card are provided below.
- 6 Complimentary Domestic Lounge access every calendar quarter.
- Buy 1 Get 1 offer on movie tickets on BookMyShow.
IndusInd Bank Credit Card Reward Points
With all the IndusInd Credit Cards, you get rewarded in the form of reward points or cashback. However, different cards may have different reward/cashback rates & benefits, and the rate can also vary for different categories. You can find detailed information about the reward rate of Top IndusInd Credit Cards in the following table.
| Card |
Reward Point |
| IndusInd Bank Indulge Credit Card |
1.5 Reward Points for every Rs. 100 spent |
| IndusInd Bank Crest Credit Card |
2.5 Reward Points on every Rs. 100 spent on international transactions, 1 Reward Point on every 100 spent on domestic transactions |
| IndusInd Bank Pioneer Heritage Credit Card |
2.5 Reward Points on every Rs 100 spent on international transactions, 1 Reward Point on every Rs 100 spent on domestic transactions |
| IndusInd Bank Pinnacle Credit Card |
2.5 reward points on every Rs 100 spent online and 1.5 reward points on every Rs 100 spent on online travel and flight bookings |
| IndusInd Bank Legend Credit Card |
1 Reward Point for every Rs 100 spent on weekdays, 2 Reward Points for every Rs 100 spent on weekends |
| IndusInd Bank Duo Credit Card |
1 Reward Point on every spend of Rs. 150 |
How to Apply for an IndusInd Bank Credit Card Online?
- Take a look at multiple IndusInd Bank credit cards on CardInsider.
- Select the card that best suits your finances and spending habits.
- Click on “Apply Now,” and you will be redirected to the official application page.
- Fill out and submit your application.
How to Track Your IndusInd Bank Credit Card Application?
Applicants for IndusInd Bank credit cards can keep track of their application by calling the bank’s helpline at 1860 267 7777. The Bank will send you an SMS with the results to the mobile number you provided on the application form once your application has been processed. You can also visit your nearest IndusInd branch and ask the bank officials about the status of your application.
How to Activate IndusInd Bank Credit Card?
Once you have received your IndusInd Bank Credit Card, the first thing to do is to activate it before using it for purchases. The activation of IndusInd Credit Cards can be done using the following online and offline methods:
- Activate your IndusInd Bank Credit Card using the IndusMobile app. Log in to the app, and after visiting the Credit Cards section, find the option of credit card PIN generation under the ‘Credit Card Service Request’ tab.
- You can also do the same by logging in to your IndusInd internet banking account. After logging in, you can easily find an option to set a PIN under the Credit Cards section.
- Another way to activate the IndusInd Bank Credit Card is by contacting IndusInd Bank customer care. Just call them and ask the bank executives to help you with the activation.
- If you are unable to activate your credit card using the above methods, you can visit the nearest IndusInd branch and request the bank officials to assist you with your credit card activation.
IndusInd Bank Credit Cards With No Annual Fee
There are a lot of IndusInd Credit Cards that have a zero annual fee but charge a high annual fee, like the IndusInd Pinnacle World Credit Card, IndusInd Bank Iconia AmEx Credit Card, etc. However, some of the cards have a meager joining fee and no annual fee thereafter. Following is the list of the most affordable IndusInd Credit Cards:
IndusInd Bank Platinum Aura Edge Credit Card
The IndusInd Platinum Aura Credit Card is a lifetime-free credit card. This card earns you up to 4 Saving Points for every Rs. 100 spent & you get an opportunity to choose a reward plan according to your spend behavior. Moreover, with exclusive welcome and travel benefits, the Platinum Aura Credit Card can be considered another great entry-level card offering by the bank.
Discontinued IndusInd Bank Credit Cards
IndusInd Bank no longer issues the following cards.
Bottom Line
IndusInd Bank offers a wide range of credit cards that cater to the needs of a diverse group of individuals. Whether you are looking for a card with luxurious benefits and are willing to pay a hefty fee for it, or a lifetime free credit card like the Legend Card and Platinum RuPay Credit Card, which can also be linked to your UPI application, the bank has got you covered. It’s always advisable to assess your own needs and compare multiple cards before applying for the one that best suits you.
1 comment
P Satyanarayana
28 Sept. 2024
Sirs:
Currently, I am using Indusind Bank Credit card XXXXXXXXX6881 with good credit score plus no pending monthly credit card bill payments. Please advise if I can get Indusind-epay American Express Credit card. I tried to apply for this card online but Resume Application Form PIN Code is not working. Therefore I could not finish entering further details in the Application Form and are held up. Please advise. Thanks.