IndusInd Bank Indulge Credit Card

IndusInd Indulge Credit Card Features and Benefits

The Indulge Credit Card is one of the premium cards issued by the bank and hence offers various exclusive privileges. From rewards to travel benefits, it is a card best suited for those who love to spend in different categories. To understand its features and benefits in detail, keep reading:

Travel Benefits

• Under the Visa lounge access program, cardholders will receive six complimentary visits to domestic lounges per quarter.
• You get four complimentary international lounge accesses every quarter with a Priority Pass membership.
• For domestic lounge visits using the complimentary Priority Pass, you will be charged US $27 per visit.

Movie and Dining Benefits

• Buy one movie or non-movie ticket on BookMyShow and get another ticket absolutely free.
• This benefit can be availed a maximum of 3 times in a month, and the maximum ticket price is capped at ₹700. You get an additional discount of ₹50 on selecting the F&B option.
• You also get a discount of 25% on non-movie tickets on BookMyShow.
• Save ₹3,000 on your dining bills twice every year with complimentary vouchers from EazyDiner. Check complete details here.

Insurance Benefits

Liability protection for loss of the card applies from 48 hours prior to reporting the loss.

24×7 Concierge Service

You get 24×7 concierge service for hotel and flight bookings with this card. You may dial 1860 267 7777 for IndusInd concierge service.

No Fixed Credit Limit

One unique feature of this credit card is that there is no preset credit limit. Although there is a base revolving credit limit, you get the flexibility to spend over and above the base limit.

Low Forex Markup Fee

With the IndusInd Bank Indulge Credit Card, you can save on your international transactions as it comes with a low forex markup fee of 1.8%.

IndusInd Bank Indulge Credit Card Rewards

You earn 1.5 Reward Points for every ₹100 spent using the card.

Reward Redemption

• Reward Points can be redeemed against KrisFlyer Miles, Cash Credits, or IndusMoments (for purchasing select products and shopping vouchers).
• For redemption against KrisFlyer Miles, 200 Reward Points = 100 KrisFlyer Miles.
• For redemption against Cash Credit, 1 Reward Point = ₹1.
• You must have accumulated at least 500 Reward Points for redemption against AirMiles or Cash Credit.
• A maximum of 10,000 reward points can be redeemed in a statement cycle.

Eligibility Criteria for IndusInd Indulge Card

In order to get approved for the IndusInd Indulge Card, you will need to fulfill the following eligibility requirements:

• Salaried applicants must have a minimum annual income of ₹36 lakh.
• Self-employed applicants must have a minimum annual income of ₹42 lakh.
• Applicant must have a good credit score.

IndusInd Indulge Credit Card Review

As discussed in the post above, IndusInd Bank offers best-in-class benefits to its Indulge card members. Apart from premium benefits like Priority Pass membership and concierge service, you also get a very good rewards rate. Unlike many other credit cards, you earn Reward Points on all categories of spending with this one (at the same rate). These Reward Points can not only be transferred to partner airlines’ AirMiles programs, but you can also redeem them against your card’s outstanding balance (1 Reward Point = ₹1), which most other credit cards don’t allow.

Although you have to pay a hefty annual membership fee of ₹10,000, it is undoubtedly an excellent offering by the bank. It is also worthwhile to have a look at the IndusInd Bank Crest Credit Card, which also comes with a similar membership fee and offers similar benefits.

That was our review of the IndusInd Bank Indulge Credit Card. What do you think of this offering by the IndusInd Bank? Do let us know in the comments. If you’re an existing cardholder, feel free to share your experience for the benefit of others.