Card Image
IndusInd Iconia
Annual Fee
₹2,500
Rewards/₹100 ⓘ
₹0.50 - ₹1.50
Normalized to balance base rate with bonus categories
Interest Rate
42.00%
Credit Score
740+
At a Glance
Key Benefits
3X on dining, 2X on shopping, Amex exclusive offers, fuel surcharge waiver
Lounge Access
4 domestic lounge visits per year
Eligibility
Salaried: Rs.75,000+/month, Age: 21-60 years, CIBIL: 740+
Quick Details
Annual Fee
₹2,500
#227
Joining Fee
₹2,500
#228
Interest Rate
42.00% p.a.
#108
Forex Markup
3.50%
#75
Rewards/₹100
₹0.50 - ₹1.50
#166
Reward Type Reward Points
Reward Currency Points
Min Credit Score
740+
#184
Min Monthly Income ₹50
Network AMEX
Late Payment Fee ₹800
Over Limit Fee ₹500
Cash Advance Fee 2.50% (min ₹350)
Fee Waiver on Spend ₹2,00,000/yr
Reward Structure
Base
All Spends
₹0.50 /₹100
Cat
Dining
₹1.50 /₹100
Reward Calculator
₹
Allocate by Category 100%
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:
Insurance Coverage
Air Accident
₹50,00,000
Travel booked with card
Lost Card
₹2,00,000
Within 7 days of reporting
Quick Analysis
The IndusInd Bank IndusInd Iconia is a solid credit card option. With an annual fee of ₹2500, ensure you can utilize the benefits to get value. Consider your spending patterns before applying.
Pros
- Annual fee waiver on spending ₹200000
- Good insurance coverage up to ₹52 lakh
- Extended interest-free period of 50 days
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 Iconia?
IndusInd Iconia has an annual fee of Rs.2,500, waivable on Rs.2 lakh annual spend.
Is IndusInd Iconia an American Express card?
Yes, IndusInd Iconia is an American Express card with exclusive Amex offers.
What rewards does IndusInd Iconia offer?
3X points on dining, 2X on shopping, and 1 point per Rs.100 on other spends.
How many lounge visits with IndusInd Iconia?
4 domestic airport lounge visits per year.
Does Amex have acceptance issues in India?
American Express has lower acceptance than Visa/Mastercard, especially at smaller merchants.
User Reviews
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