At a Glance
Key Benefits
Dual rewards mode, 2X on shopping, fuel surcharge waiver 1%
Lounge Access
No lounge access
Eligibility
Salaried: Rs.25,000+/month, Age: 21-60 years, CIBIL: 700+
Quick Details
Annual Fee
₹599
#156
Joining Fee
₹599
#156
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.25 - ₹0.50
#238
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+
#54
Min Monthly Income ₹20
Network MASTERCARD
Late Payment Fee ₹500
Cash Advance Fee 2.50% (min ₹300)
Fee Waiver on Spend ₹75,000/yr
Reward Structure
Base
All Spends
₹0.25 /₹100
Cat
Shopping
₹0.50 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Lost Card
₹1,00,000
Within 7 days of reporting
Quick Analysis
The IndusInd Bank IndusInd Duo is a solid credit card option. With an annual fee of ₹599, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹75000
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Frequently Asked Questions
What is the annual fee for IndusInd Duo?
IndusInd Duo has Rs.599 annual fee, waivable on Rs.75,000 annual spend.
What is the dual rewards feature?
You can switch between cashback mode and rewards points mode based on your preference.
What shopping rewards does IndusInd Duo offer?
2X reward points on shopping spends up to Rs.7,500 monthly cap.
Does it have fuel benefits?
Yes, 1% fuel surcharge waiver at all fuel stations.
Is IndusInd Duo a good everyday card?
Yes, with flexible rewards modes and low fees, it is great for everyday use.
User Reviews
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