Highlights
- IndusInd Bank Credit Card with best of reward points and lounge access offers right here
- Pick your favourite IndusInd credit card & apply online
IndusInd Bank, a leading financial institution in India, offers a wide array of services including savings accounts, loans, and credit cards. In this discussion, we will focus specifically on IndusInd Bank's diverse range of credit cards, each designed with unique features and benefits to cater to different needs. Whether you're interested in shopping, travel, or luxury, IndusInd Bank has a credit card that can enhance your lifestyle. You can easily explore these options online, review their features and benefits, and check your eligibility. Before deciding, it's wise to compare all the credit card options IndusInd Bank offers to find the one that best suits your financial needs.
Types of Credit Cards Offered by the IndusInd Bank
In the table given below, you can go through all the credit cards that are offered by IndusInd Bank and check their annual and renewal fees.
| Credit Cards | Joining Fee | Annual Fee |
|---|---|---|
|
INR 75,000 |
INR 10,000 |
|
|
INR 15,000 |
Nil |
|
|
Applicable as per the bank’s norms |
Applicable as per the bank’s norms |
|
|
Nil |
Nil |
|
|
INR 5,000 |
Nil |
|
|
Nil |
Nil |
|
|
INR 10,000 |
Nil |
|
|
Celesta Credit Card |
INR 25,000 |
INR 5,000 |
|
Pioneer Legacy Credit Card |
INR 50,000 |
Nil |
|
Pioneer Heritage Credit Card |
INR 1,00,000 |
INR 25,000 |
|
Crest Credit Card |
INR 75,000 |
INR 25,000 |
Features and Benefits of IndusInd Bank Credit Cards
You have seen the fees of all the exclusive credit cards and now you can explore their features and benefits. Every credit card has unique features that will give you a good experience, therefore; you must explore the privileges available on all the IndusInd Bank Credit Cards.
Indulge Credit Card
This credit card will give you a luxurious experience and you can earn thousands of reward points through it. This card also comes with a pure 22K gold inlay and is best for a luxurious lifestyle.
- You will get a 22K Gold inlay on this credit card
- There is an EMV Chip and PIN card that gives you more security
- There is no pre-set credit limit on this card
- Get INR 3,000 off on the total bill amount, twice a year
- Enjoy a fuel surcharge waiver of 1% at all petrol pumps across India.
- Get exclusive movie offers from BookMyShow
- Enjoy access to more than 1300 airport lounges across the globe with a complimentary priority pass.
Pinnacle World Credit Card
You can earn thousands of reward points using this credit card and redeem them at your convenience by buying various vouchers and other products.
- Get 2.5 reward points for spending every INR 100 on online transactions.
- Enjoy golf games and lessons at leading clubs through this card.
- Get up to 3 free movie tickets in a month.
- Purchase a movie ticket worth INR 200 and get another free on BookMyShow.
- Enjoy 2 complimentary access to any of the participating International Lounges within India and abroad per quarter.
- Get a special concierge service on this credit card.
- Enjoy a waiver on the fuel surcharge at petrol pumps across India.
Platinum Visa Credit Card
The IndusInd Bank Platinum Visa Credit Card comes loaded with a variety of travel and lifestyle perks, designed to fit your personal preferences perfectly.
- Get Luxe gift cards and vouchers for top brands, including Armani Exchange, Michael Kors, GAS, and more
- Get discount vouchers from brands like Amazon, Flipkart, Uber, Ola, and more
- Avail 1% fuel surcharge waiver at all petrol pumps in India
- Enjoy 1.5 reward points on every spend of INR 150
- Complimentary personal accident insurance cover of INR 25 lakh.
Platinum Aura Edge Visa/Mastercard Credit Card
You must explore the world of reward points through this card because it allows you to earn thousands of reward points and all of them are easily redeemable.
- Earn up to 8x reward points on select merchants
- 1% fuel surcharge waiver at all petrol pumps in India
- Get discount vouchers from multiple brands like Amazon, Flipkart, Zee5, and more
- Avail insurance coverage as per the below details:
a) Lost baggage: INR 1 lakh
b) Delayed baggage: INR 25,000
c) Loss of passport: INR 50,000
d) Missed connection: INR 25,000
e) Lost ticket: INR 25,000
Legend Credit Card
This credit card allows you to earn bonus reward points on your spending along with complimentary movie tickets and lounge visits.
- Enjoy 1 reward point per INR 100 on weekdays
- Enjoy 2 reward points per INR 100 on Weekends
- Get a fuel surcharge waiver of up to INR 2,400 in a year.
- Buy 1 movie ticket and get another free
- Get 1 complimentary domestic airport lounge visit per quarter in India.
Duo Card
This credit card comes with two magnetic strips and EMV Chips. You can make hassle-free payments using this credit card and earn reward points on them. This first-of-its-kind Card in India brings together a variety of benefits that treat you to the very best of a Credit and Debit Card.
- Get up to INR 3000 off on movie tickets in a year through this credit card.
- Get a 2% cross mark-up fee on this card
- Earn 1 reward point on spending every INR 150.
- Get a 1% fuel surcharge waiver on this credit card between transactions of INR 400 to INR 4000.
- Have the insurance cover for lost baggage, delayed baggage, lost ticket, and loss of passport on this card.
Nexxt Credit Card
Nexxt Credit Card offers rewards on purchases and travel insurance. Enjoy perks like discounts, contactless payments, and free movie tickets for a convenient and rewarding experience.
- On spending INR 150 from this card, you will earn 1 Reward Point
- Have various insurance covers on this card while you are traveling like loss of baggage cover, loss of passport cover, loss of ticker cover, and many others
- Get welcome gifts in the form of discounts and vouchers from top merchants like Bata, Eazydiner, and more
- Make a contactless payment from this credit card to save time
- Enjoy free movie tickets twice a month on this card
- Get a fuel surcharge discount of 1% at the refilling stations.
Celesta Credit Card
Unlock great deals on dining and travel with the Celesta Credit Card. Enjoy discounts at Marriott hotels, free lounge access, and savings at top restaurants to make your journeys and meals more rewarding.
- Get 25% off on food and beverages at participating Marriott hotels in India.
- Enjoy 20% off on food and beverages at participating Marriott hotels in Asia Pacific.
- Receive up to a 20% discount on the Best Available Room Rates at participating Marriott Hotels in India.
- Get up to a 20% discount on weekend Best Available Room Rates at participating Marriott Hotels across the Asia Pacific.
- Enjoy unlimited access to domestic airport lounges through this credit card.
- Get 2 free international airport lounge visits in a calendar year.
- Enjoy up to INR 3000 off on the total bill amount at the selected restaurants.
Pioneer Legacy Credit Card
This credit card has the option to earn reward points faster than other cards and has multiple options to redeem the earned reward points.
- Earn 2.5 reward points per INR 100 on international transactions.
- Get 1 reward point per INR 100 on domestic transactions.
- Enjoy 1 Complimentary access to the domestic airport lounges per quarter.
- Get 2 Complimentary accesses to the international airport lounges per quarter.
- Enjoy complimentary golf games through this credit card.
- Enjoy great deals on BookMyShow and enjoy discounts on movie tickets.
Pioneer Heritage Credit Card
You can have luxurious benefits with this IndusInd Bank Credit Card. You will get many other privileges with this credit card as well.
- Get 2 complimentary international airport lounge visits in a quarter using Priority Pass.
- Enjoy 1 complimentary domestic airport lounge visit in a calendar quarter.
- Get complimentary dining vouchers worth INR 3,000, twice a year.
- Enjoy a comprehensive golf program on this IndusInd Bank Credit Card.
- Buy 1 movie ticket and get another free on BookMyShow.
Crest Credit Card
You can have a refined experience through this credit card. It allows you to enhance your lifestyle and get a comprehensive gold program.
- Get 25% off on F&B bill at participating ICT hotel for a maximum of 4 guests
- Get 50% off on a buffet lunch/dinner for two at participating ITC hotels
- Avail 20% discount on Events and Theatre bookings via BookMyShow
- Buy one movie ticket and get another one free
- Enjoy complimentary golf lessons and complimentary golf games on this card.
Eligibility Criteria for IndusInd Bank Credit Card
You will need a minimum age of 21 years to apply for the IndusInd Bank Credit card. On the other hand, the income criteria might differ from card to card which you can explore below. You will also need a minimum Cibil Score of 750 and above and a stable income to get the IndusInd Credit Card.
Documents Required to Apply for IndusInd Bank Credit Card
You will have to submit the following documents if you are applying for the IndusInd Credit card:-
- Identity Proof – PAN Card/Aadhaar Card/Voter ID/Driving License/Passport
- Residence Proof – Aadhaar Card/Voter ID/Driving License/Passport/Utility Bills
- Income Proof – Latest Salary Slips for Salaried/Last 2-3 ITR & Audited Balance Sheet for Self-employed, Last 6-month Bank Statement
IndusInd Bank Credit Card Fees and Charges
Some of the common charges and fees applicable to all IndusInd Bank credit cards are mentioned below:
| Fees and Charges | Details |
|---|---|
|
Joining/Annual Fees |
Varies from one card to another |
|
Over Limit Charges |
2.5% of over limit amount subject to a minimum of INR 500 |
|
Late Payment Fee |
For outstanding balances up to INR 100: No charge For outstanding balances from INR 101 to INR 500: INR 100 For balances from INR 501 to INR 1,000: Rs. 350 For balances from INR 1,001 to INR 10,000: INR 550 For balances from INR 10,001 to INR 25,000: INR 800 For balances from INR 25,001 to INR 50,000: INR 1,100 For balances over INR 50,000: INR 1,300 |
IndusInd Bank Credit Card Limit
The credit limit on an IndusInd Credit Card isn't fixed and varies based on your income and credit score. The bank determines your limit when you apply for a card. If you have a credit score of 750 or higher and a steady income, you're likely to get a higher credit limit.
How to Apply for IndusInd Credit Card
There are multiple options available to apply for the IndusInd Bank Credit Card and you can go through them below:-
You can apply for the IndusInd Credit Cards via WhatsApp and it is possible at Wishfin. You will just have to follow the steps given below to apply for the card via WhatsApp:-
- Open the official website of Wishfin on your mobile and expand the “Credit Cards” Tab.
- On the next page click on the ‘Apply with the Ease of WhatsApp Chat” option.
- Enter your mobile number and click on ‘Continue with WhatsApp
- Then you will receive a link on which you will have to click to get added to a group featuring Wishfin as the other member.
- Then enter a few details and submit your application.
- The IndusInd Bank will go through the details before approving the application.
Wishfin Chat
- Open the official website of Wishfin and click on the Wishfin Chat button
- Provide your consent to explore credit cards by entering “Yes” below the ‘Would you Like to Continue’ option.
- Chat with the bot and provide your info and job-related details.
- Apply for the card from the list shown to you on the chat.
IndusInd Bank Website
- Visit the official website of the IndusInd Bank.
- Then go to the ‘Credit Cards’ option.
- Then click on the “Apply Now” button.
- Provide your personal and income details and then Submit the Application.
- Then the executive will ask for the necessary documents and the bank will verify the details before approving the application.
Bank’s Branch
You can also visit the nearest IndusInd Bank branch to apply for a credit card. You can follow the steps given below to get the IndusInd bank Credit Card.
- Go to the branch and ask for the credit card application form.
- Fill up the form and choose the IndusInd bank Card you are willing to apply for.
- Provide the relevant personal and professional details.
- Paste your photographs and make a signature at the prescribed space.
- Finally, submit the application form along with the necessary documents to the concerned official.
IndusInd Bank Credit Card Application Status
When an individual applies for a credit card he is eager to know the status of the card. So, if you want to know the status of your IndusInd Credit Card then you can follow the steps given below:-
- Visit the official website of the IndusInd bank.
- Make a click on the ‘Track Application Status’ tab on the IndusInd Credit Card page.
- You could see a blank space asking you to enter an Application ID.
- Enter the ID and click on ‘Submit’ to know the exact status of your application.
IndusInd Bank Credit Card Payment
You can pay the bills either online or offline. Online option, though, supersedes that of its offline counterpart in terms of convenience. All you need to do is to use the net banking of either IndusInd Bank or some other. Add the card to your net banking account so that you can receive the bill intimation well in advance. Post receiving the SMS, you can arrange the required sum in your bank account to enable a smooth deduction of the bill amount.
Why Should You Check IndusInd Bank Credit Card Statement?
You can receive a monthly statement on your e-mail ID showing the total dues, minimum due as well as due date. At the same time, you can glance through a list of transactions made through the card. If at all you find any discrepancy in the statement, you can bring it to the notice of IndusInd Bank by dialing the customer care executives.
IndusInd Bank Credit Card Customer Care Number
For any queries and doubts regarding credit cards, you just need to dial 18602677777/022 44066666 and get them sorted out fast. So, what if it’s reward points or lounge access, the customer care executives would provide you with complete details.
Dos and Don’ts of Credit Cards
What to Do:
- Explore Card Options: IndusInd Bank offers a variety of credit cards suited to different lifestyles, such as cards great for shopping or travel. Review these options based on your needs and qualifications to pick the best one for you.
- Understand the Terms: Make sure you know the details of your credit card agreement, including limits, interest rates, and fees. Also, watch for any special promotions that could be advantageous.
- Pay On Time: Always pay your credit card bills in full to keep a good credit score and avoid interest charges. Consistent, on-time payments improve your credit standing.
- Increase Your Credit Limit If Possible: If you're eligible for a higher credit limit, it can give you more spending flexibility and opportunities to earn rewards. Just be sure to spend wisely.
- Keep Track of Bills and Payments: Know when your bills are due and when payments are expected to avoid late fees.
- Monitor Your Spending: Regularly check your credit card activity for any unauthorized charges. Set alerts for transactions and report suspicious activity to your bank right away.
What Not to Do:
- Don’t Max Out Your Card: Try to use only a portion of your available credit. Frequently maxing out your credit limit can lower your credit score and make it harder to manage your finances.
- Limit Credit Card Applications: While having more than one credit card can be useful, applying for many cards at once can appear risky and may negatively impact your credit score.
- Avoid Minimum Payments Only: Consistently making only the minimum payment can lead to interest accumulating on your remaining balance, increasing your total debt. Aim to pay more than the minimum or, ideally, the entire balance whenever possible.
Frequently Asked Questions
1. Who can apply for an IndusInd credit card online?
You can easily apply for an IndusInd credit card online by simply heading over to the official website of IndusInd Bank and selecting a credit card based on your requirements. However, if you are unable to find your city on the website, it means that an IndusInd credit card is not available in your city as of now. Another way of applying is by calling their 24 hour helpline number 1860 267 7777.
2. How long does it take to obtain an IndusInd Bank Credit Card?
It can take anywhere between 10 to 15 working days after applying for an IndusInd Bank Credit Card. Make sure that you have submitted all the relevant documents while applying.
3. How can I track my IndusInd credit card application?
Once your application has been processed, the bank will send you an SMS with all the details to your registered mobile number that you have provided on the application form. Moreover, you can track the status of your IndusInd credit card application by calling their customer care service at 1860 267 7777.
4. How do I update my address with IndusInd Bank?
You can easily update your address through the internet banking facility offered by IndusInd Bank. Always keep in mind that when you try to update your address using internet banking, you will have to upload copies of your address proof.
5. What is the billing cycle for an IndusInd Bank credit card?
The billing period for an IndusInd Bank Credit Card will range from 20 to 40 days.
6. Is it possible to avail a loan using my IndusInd Bank credit card?
IndusInd Bank offers the additional privilege to its customers of availing a pre-approved Indus Easy Loan using their credit cards. The loan may however, depend on their unutilized credit limit.
7. How many add on cards can I apply for on my IndusInd Credit Card?
You can apply for a maximum of 5 add on cards on any IndusInd Bank Classic Credit Card.
8. How can I find out the outstanding balance on my IndusInd Bank credit card?
You can check your credit card’s outstanding balance through the bank’s internet banking portal. You can also check your credit card balance using the IndusInd bank mobile app.
9. What is the eligibility criteria and documents required to apply for an IndusInd Bank credit card?
To apply for an IndusInd Bank credit card you should be an Indian citizen and should be above 18 years of age. The bank will require basic documents for your identity proof, your address proof as well as your income proof along with your PAN card.
10. Is it possible to access IndusInd Bank credit card statements online?
Yes, you can get a detailed credit card statement using the IndusInd bank web portal. You can also use the net banking facility to request the bank to provide you with regular statements
