IndusInd Bank Iconia Visa Credit Card

IndusInd Iconia Visa Credit Card Features and Benefits

The Iconia Visa Credit Card is among the basic credit cards issued by the bank. It comes with a number of exclusive advantages, including welcome benefits, reward programs, travel privileges, entertainment offers, and many more. Following is the detailed information about the features and benefits of the IndusInd Iconia Visa Credit Card:

Welcome Benefits

The IndusInd Bank Iconia Visa credit card provides exciting welcome benefits that include:

• You can experience Montblanc and choose from an exclusive collection of watches, writing instruments, jewelry, etc.
• Get a Luxe gift card and get access to 30 global luxury and premium brands.
• The Postcard Hotel, a collection of luxury hotels in holiday destinations all over India.
• Get gift cards and vouchers for Amazon, Flipkart, Zee5, Big Bazaar, Apollo pharmacy, BIBA online, OLA cabs, Uber, etc.
• Get exciting gift vouchers of BATA, ALDO, Vero Moda, Titan, William Penn, Pantaloons, etc.

Travel Benefits

• You get complimentary Priority Pass membership for yourself and your add-on cardholder, which means you save Rs. 13,266 per year (US $99 *2).
• Every lounge visit using this Priority Pass will be charged at US $27 + GST per person per visit.

Movie Benefits

• Enjoy Buy 1 get 1 free offer on movie tickets on Bookmyshow once every month. The price of a free ticket can not be more than Rs. 200.
• Get a 20% discount (up to Rs. 200) on digital workshops, music, comedy shows, etc.

Golf Benefits

• You get 1 complimentary Golf game access every quarter.
• You get one complimentary golf lesson every quarter.
• You can enjoy these Golf games and lessons at leading golf clubs in Delhi, Ahmedabad, Chennai, Bengaluru, Hyderabad, Pune, and Mumbai.

Concierge Benefits

When you travel, you can enjoy several exclusive benefits, including Flight booking assistance, Pre-trip assistance, hotel reservations, exclusive bookings, flowers, and gifts, etc.

Insurance Benefits

The IndusInd Bank Iconia Visa Credit Card also offers several insurance benefits which are mentioned below in the table:

Fuel Surcharge Waiver

You get a 1% fuel surcharge waiver across all fuel stations for all transactions between Rs. 400 & Rs. 4,000.

IndusInd Iconia Visa Credit Card Reward Points

With the IndusInd Iconia Visa Credit Card, cardholders can save in the form of Reward Points on all their purchases. However, the Reward rate can be different for different categories as follows:

• Earn 0.75 Reward Point on every Rs. 100 you spend on weekdays.
• Earn 1 Reward Point on every Rs. 100 you spend on weekends.
• You get 0.70 Reward Point for every spend of Rs. 100 on utility bills, Insurance Premium payments, government charges/services, and Educational Institutions fees.

Rewards Redemption

To redeem your reward points, you can either call the mobile banking number of the bank or you can visit https://www.indusmoments.com/, where you will have to log in and you can then redeem your reward points against any of the options available there. The value of your earned Reward Points is different for redemption against different categories as mentioned below:

• If you are an InterMiles member, you can redeem your reward points for InterMiles at the rate: 1 RP = 1 InterMile.
• If you are a Club Vistara member, you can redeem your reward points for Club Vistara points at the rate: 1 RP = 1 Club Vistar Point.
• 1 Reward Point = Re. 1.

IndusInd Iconia Visa Credit Card Fees and Charges

• The joining fee of the IndusInd Bank Iconia Visa Credit Card is Rs. 3,499. This fee is one-time as you don’t need to pay an annual fee for the second year.
• The interest rate on this credit card is 3.83% per month.
• The foreign currency markup fee on the IndusInd Bank Iconia Visa Credit Card is 3.5% of the transaction amount. This fee is charged when you make a transaction in a different currency using your credit card.
• The cash advance fee on this credit card is 2.5% of the cash amount withdrawn, subject to a minimum of Rs. 300.

IndusInd Iconia Visa Credit Card Eligibility

Getting a credit card is not as easy as it might seem to be. There are certain eligibility criteria that you need to fulfill in order to get approved for a card. The eligibility criteria required for the IndusInd Bank Iconia Visa Credit Card:

• Your age should be between 21 years and 65 years.
• You should have a stable source of income.
• You should have a good credit score.

Other than this, the bank may have some internal criteria based on which an application might be approved or rejected.

Documents Required

You will need the following documents to apply for the IndusInd Bank Iconia Visa Credit Card. You can use any one of these as an identity proof, one as address proof, and similarly only one as proof of income:

• Identity Proof – Aadhar Card/PAN Card and a passport-size photograph.
• Address Proof – Aadhar Card, Passport, Utility bills, Driving License, etc.
• Income Proof – Latest bank statements and salary slips or the latest copy of ITR.

How To Apply For The IndusInd Iconia Visa Credit Card?

You can apply for the IndusInd Iconia Visa Credit Card online as well as offline at your convenience. To apply offline, you will have to visit your nearest IndusInd Bank branch with all the required documents and fill in the physical application form there. To apply online, you can either visit the IndusInd Bank’s official website or simply call on this number 1860 267 7777.

IndusInd Iconia Visa Credit Card Limit

The IndusInd Bank has not disclosed anything about the credit limit that is provided with the IndusInd Bank Iconia Visa Credit Card. It is because the credit limit generally varies for different cardholders. There are a few factors, including your past payment history, your credit score, income, etc, that determine your credit limit. Individuals having a high credit score generally get a higher credit limit as compared to the ones having an average credit score. However, the bank always provides the cardholders with an option to request a higher credit limit if their current limit isn’t sufficient enough. You can contact your credit card customer care and ask them to enhance your credit limit or you can visit your nearest IndusInd branch for the same.

IndusInd Iconia Visa Credit Card Activation and PIN Generation

To activate your IndusInd Bank Iconia Visa Credit Card or to generate its PIN, you can choose any of the methods that are mentioned below:

• You can generate your credit card PIN via internet baking or the IndusInd bank mobile app. Under the Credit Cards section, you will find the option ‘Credit Card Service Request,’ where can generate the PIN of your credit card.
• Another simple way to activate your credit card is to do it via an ATM. Just visit your nearest ATM and from its main menu, find an option of credit card PIN Generation.
• You can also contact your credit card customer and ask them to help you generate your credit card PIN.

Conclusion

If you are looking for a card that has advantages across a variety of categories, then the IndusInd Bank Iconia Visa credit card is for you. It is because it has exciting reward benefits, gift vouchers, movie benefits, travel benefits, golf benefits, and insurance benefits, i.e., almost everything one expects from a credit card. Moreover, one of its great advantages is that it has a joining fee of Rs. 3,499 only, which is a one-time payment as the card comes with no annual fee. In short, once you pay the joining fee, you never need to pay any annual or renewal fee for this card. The ‘buy 1 get 1 free’ offer on movie tickets makes it an even more nice choice for people who love to go to movies. Talking about travel, it provides you with complimentary Priority pass membership. So, the IndusInd Bank Iconia Visa credit card can be considered a good choice for everyone. What are your reviews on this credit card? Let us know in the comment section below.