IndusInd Bank Credit Cards 2025
Explore all credit cards from IndusInd Bank. 28 cards ranked by our experts.
Visit Official WebsiteShowing 28 cards
Best for: Ultra-premium benefits, unlimited lounge, concierge
IndusInd Legend
APPLY NOW
on IndusInd Bank's website
Annual fee
₹10,000
Rewards rate
₹2.00 - ₹5.00/₹100
Joining fee
₹10,000
Interest rate
42.00%
Card details
Forex Markup
1.80%
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- Exceptional rewards, unlimited Priority Pass, personal concierge, golf access
Cons
- Very high fee, invite-only, limited availability
Best for: IndusInd premium customers, international travelers, luxury lifestyle seekers
IndusInd Pioneer Heritage
APPLY NOW
on IndusInd Bank's website
Annual fee
₹25,000
Rewards rate
₹1.00 - ₹2.50/₹100
Joining fee
₹1,00,000
Interest rate
46.00%
Card details
Categories Lounge Access, Premium, Rewards, Travel
CardNitty's take
Pros
- 0% forex markup on international transactions
- 1 RP = Rs.1 or 1 Airmile value
- 2.5X rewards on international spends
- Welcome vouchers worth Rs.1 lakh
- Rs.2.5 crore personal accident cover
- Rs.5,000 Luxe gift card for luxury brands
- Priority Pass (Visa variant)
- No late payment or overlimit fees
- Free cash advances
Cons
- Rs.1 lakh joining fee is highest in category
- Requires Rs.10L AQB or Rs.30L NRV
- Only 2 lounge visits per quarter (non-metal)
- InterMiles redemption discontinued
- Golf benefits reduced from March 2025
- ITC Club Culinaire discontinued Oct 2025
IndusInd Iconia
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,500
Rewards rate
₹0.50 - ₹1.50/₹100
Joining fee
₹2,500
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹50
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
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
IndusInd Platinum Select
APPLY NOW
on IndusInd Bank's website
Annual fee
₹750
Rewards rate
₹0.30 - ₹0.60/₹100
Joining fee
₹750
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 50 days
- 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
Best for: High spenders seeking lifetime free card with premium benefits and low forex markup
Tiger Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
Rewards rate
₹0.40 - ₹2.40/₹100
Joining fee
FREE
Interest rate
42.00%
Card details
Forex Markup
1.50%
Min Monthly Income ₹25
Categories Lifestyle, Lifetime Free, Rewards, Travel
CardNitty's take
Pros
- Lifetime free - no joining or annual fee
- Tiered rewards up to 6X (6 points per Rs.100)
- Good point value at Rs.0.40 per point
- Low forex markup of only 1.5% (vs 3.5% industry standard)
- 8 domestic lounge visits per year (2/quarter via DreamFolks)
- 2 international lounge visits per year (Priority Pass)
- 1 complimentary golf game/lesson per quarter
- 1 free movie ticket (up to Rs.500) every 6 months
- 1% fuel surcharge waiver (Rs.400-4,000 transactions)
- Personal accident insurance up to Rs.25 lakhs
- Total Protect fraud protection program
- 24/7 concierge service
- 50-day interest-free period
Cons
- Rewards capped at spending tiers (need Rs.5L+ annual spend for 6X)
- Reward points expire after 24 months
- No rewards on fuel, utilities, insurance, EMI, education, govt payments
- Cash redemption limited to Rs.5,000 per month
- InterMiles redemption discontinued from Jan 21, 2025
- Redemption fee: Rs.149 for cash, Rs.100 for other categories (from April 2025)
- High APR of 42% per annum
- 1% + GST fee on rent payments
- Lower reward rates below Rs.1 lakh annual spend (only 1X)
- Requires Rs.30K monthly income (higher than some LTF cards)
Best for: Existing cardholders with high departmental store spending
Platinum Aura
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
Rewards rate
₹0.35 - ₹2.80/₹100
Joining fee
₹899
Interest rate
47.40%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Discontinued, Lifestyle, Rewards, Shopping
CardNitty's take
Pros
- Flexible reward plans (Shop, Home, Travel, Party)
- 4X rewards on departmental store shopping
- No annual/renewal fee (only Rs.899 joining)
- Comprehensive travel insurance (Rs.1L baggage)
- 24/7 concierge service
- 1% fuel surcharge waiver (save up to Rs.1,200/year)
- Personal air accident cover Rs.25 lakhs
- Auto Assist roadside help
- Welcome vouchers from multiple brands
- Zero liability on lost/stolen card fraud
Cons
- Card discontinued for new applications
- Reward value reduced to Rs.0.35 per point (March 2024)
- Monthly cash redemption capped at 2,500 points
- Fuel spends don't earn reward points
- InterMiles redemption discontinued (Jan 2025)
- Travel Plus lounge access costs Rs.5,000/year extra
- International lounge visits charged $27 each
- Domestic lounge visits not free on base card
- High APR of 47.40%
- Lower rewards compared to modern lifestyle cards
Best for: CRED members, online shoppers, e-commerce enthusiasts, UPI users
CRED IndusInd RuPay Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
Rewards rate
₹1.00 - ₹5.00/₹100
Joining fee
FREE
Interest rate
46.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories E-commerce, Rewards, Shopping, UPI
CardNitty's take
Pros
- Zero joining fee, first year free
- 5% rewards on e-commerce, CRED Pay, CRED Travel, CRED Store, CRED UPI
- High reward redemption value (1 CRED Point = Rs 1 for flights/hotels)
- RuPay network with UPI compatibility on CRED platform
- 1% fuel surcharge waiver up to Rs 300 per month
- Complimentary personal accident and travel insurance
- Card protection with liability cover
- Low annual fee of just Rs 499 from second year
- UPI compatibility on PhonePe, Google Pay (no rewards though)
- Designed for high-creditworthy CRED members
Cons
- Invite-only card, not open for public application
- 5% rewards limited to specific categories with caps
- Monthly cap of 5,000 points for 5% categories
- UPI Scan & Pay rewards capped at 500 points per month
- CRED Points valid only for 24 months
- Rewards only on CRED platform, limited redemption options
- Lower value on bill payments (1 point = Rs 0.5)
- No lounge access benefits
- No fee waiver option available
- 3.5% forex markup not competitive for international spends
- Offline spending earns only 1% rewards
Best for: UPI users seeking lifetime-free card with travel insurance
Platinum RuPay
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
Rewards rate
₹0.60 - ₹1.20/₹100
Joining fee
FREE
Interest rate
46.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Lifetime Free, Rewards, RuPay, UPI-enabled
CardNitty's take
Pros
- Lifetime free - No joining or annual fees
- 2X rewards on UPI spending (best for UPI users)
- Comprehensive travel insurance (Rs.2.25L total)
- Personal air accident cover Rs.25 lakhs
- 1% fuel surcharge waiver (Rs.400-4000)
- RuPay domestic lounge access (2 visits/quarter on Rs.5K spend)
- Lost baggage cover Rs.1 lakh
- Lost card protection up to 48 hours
- Zero liability on fraud transactions
- UPI integration for easy payments
Cons
- Low base reward rate (1 point/Rs.100)
- Reward value reduced to Rs.0.60 per point (Dec 2024)
- Monthly cash redemption capped at 2,500 points
- Lounge access requires Rs.5,000 quarterly spend
- Limited to RuPay exclusive lounges only
- No international lounge access
- Fuel spends don't earn reward points
- Select merchants earn only 0.70 points/Rs.100
- High APR of 46% on unpaid balances
- No concierge or premium services
Best for: Entry-level users, students, young professionals seeking LTF dining card with basic lounge access
EazyDiner Platinum Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
FREE
Rewards rate
₹0.40/₹100
Joining fee
FREE
Interest rate
46.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹15
Categories Dining, Entry Level, Lifetime Free, Rewards
CardNitty's take
Pros
- Lifetime free with zero joining or annual fees
- 3-month EazyDiner Prime membership on activation (Rs.1,095 value)
- Renewable Prime membership on Rs.30K quarterly spend
- 25-50% dining discounts at 2000+ restaurants nationwide
- Extra 20% PayEazy discount (up to Rs.500, 3 times/month)
- 500 welcome bonus EazyPoints (worth Rs.100)
- 2,000 milestone bonus points every 90 days on Rs.30K spend
- 2 complimentary domestic airport lounge visits per quarter
- 2 reward points per Rs.100 spent (0.4% return)
- 1% fuel surcharge waiver on Rs.400-4,000 transactions
- Personal air accident insurance up to Rs.25 lakhs
- Total Protect fraud insurance coverage
- Low entry barrier - suitable for beginners
- Contactless payment enabled
Cons
- Lower reward rate compared to Signature variant
- Prime membership only for 3 months initially
- Prime renewal requires Rs.30K quarterly spend
- PayEazy discount capped at 3 uses per month
- Limited to Rs.500 per PayEazy transaction
- No international lounge access
- Limited lounge access (2 domestic per quarter only)
- Rewards expire within 12 months
- Fuel, insurance, rent, utilities earn reduced points (0.7 per Rs.100)
- Dining spends excluded from milestone calculation
- High interest rate of 46% p.a.
- Forex markup of 3.5% on international transactions
Best for: Frequent British Airways/Qatar Airways travelers with high international spend
Avios Visa Infinite (British Airways)
APPLY NOW
on IndusInd Bank's website
Annual fee
₹5,000
Rewards rate
₹0.32 - ₹1.95/₹100
Joining fee
₹10,000
Interest rate
36.00%
Card details
Forex Markup
1.50%
Categories Airline Co-branded, Lounge Access, Miles/Travel Rewards, Premium, Travel
CardNitty's take
Pros
- 20,000 Avios welcome bonus on card activation
- Up to 36,000 milestone bonus Avios annually
- 6X Avios at preferred international destinations
- 5X Avios on British Airways and Qatar Airways bookings
- Low 1.5% forex markup at preferred destinations
- International meet & greet at 30+ major airports
- Priority Pass with 8 lounge visits per year
- Comprehensive travel insurance (USD 25,000 medical)
- 24/7 concierge with elderly care assistance
- 10% discount on Qatar Airways flights
- Fuel surcharge waiver of 1% (uncapped)
- Metal card with premium design
Cons
- High joining fee of Rs.10,000 despite reduction
- Limited to British Airways and Qatar Airways Avios only
- Requires Rs.16 lakh annual spend for full milestone benefits
- Air accident insurance discontinued from Dec 2025
- Qatar Gold membership benefit removed
- Priority Pass limited to 2 visits per quarter
- Low base earning rate (1 Avios per Rs.200)
- High taxes and surcharges on Avios redemptions
- Complex eligibility criteria
- Customer service issues reported by users
Best for: Discontinued card - existing cardholders only (historical reference)
InterMiles Odyssey Visa
APPLY NOW
on IndusInd Bank's website
Annual fee
₹4,000
Rewards rate
₹0.90 - ₹2.40/₹100
Joining fee
₹10,000
Interest rate
46.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Discontinued, Lounge Access, Miles/Travel Rewards, Premium, Travel
CardNitty's take
Pros
- 15,000 welcome InterMiles + vouchers worth Rs.3,000
- 5,000 renewal bonus InterMiles annually
- Up to 8 InterMiles per Rs.100 on weekend bookings
- 6 InterMiles per Rs.100 on flights & hotels (weekdays)
- 4 InterMiles per Rs.100 on weekend retail spends
- Priority Pass membership with access to 600+ lounges
- 2 complimentary Visa lounge visits per quarter
- Complimentary air accident insurance up to Rs.25 lakhs
- 24/7 concierge and auto assist services
- 1% fuel surcharge waiver across India
- BookMyShow 1+1 movie ticket offer (2 tickets/month)
- Travel insurance: lost baggage, delayed baggage
- Zero liability on unauthorized transactions
- Add-on cards at no cost
Cons
- Card discontinued as of August 2024
- High joining fee of Rs.10,000 + GST (Rs.11,800 total)
- Annual fee of Rs.4,000 + GST (Rs.4,720 total)
- InterMiles earning capped at 75,000 per year
- Uncapping fee of Rs.10,000 + GST is very expensive
- High interest rate of 46% annually (3.83% p.m.)
- InterMiles value lower than airline miles (0.25-0.40)
- Rewards discontinued effective Jan 2025
- No complimentary Priority Pass lounge visits (cost included)
- Limited to InterMiles redemption options only
- High forex markup of 3.5%
- Minimum income requirement
Best for: Discontinued card - existing cardholders only (historical reference)
InterMiles Voyage Visa
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,000
Rewards rate
₹0.60 - ₹1.80/₹100
Joining fee
₹2,000
Interest rate
36.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Discontinued, Lounge Access, Miles/Travel Rewards, Travel
CardNitty's take
Pros
- 2,000 welcome InterMiles + discount vouchers
- 2,500 renewal bonus InterMiles annually
- Up to 6 InterMiles per Rs.100 on weekend bookings
- 4 InterMiles per Rs.100 on flights & hotels (weekdays)
- Priority Pass membership included
- Access to 600+ international airport lounges
- Complimentary air accident insurance up to Rs.25 lakhs
- 1 golf game + 1 golf lesson per quarter
- BookMyShow 1+1 movie ticket offer
- 1% fuel surcharge waiver (Rs.400-4,000)
- Zero liability on unauthorized transactions
- Golf privileges at 7 major cities
- Add-on cards at no cost
Cons
- Card discontinued as of August 2024
- InterMiles earning capped at 50,000 per year
- Uncapping fee of Rs.7,500 + GST is expensive
- USD 27 fee per Priority Pass lounge visit
- No complimentary Priority Pass lounge visits
- Fuel surcharge waiver limited to Rs.4,000
- InterMiles value lower than airline miles (0.25-0.40)
- Fuel spends above Rs.50,000 charged 1% + GST
- Rewards discontinued effective Jan 2025
- Limited to InterMiles redemption options only
- No waiver on annual fee for most cardholders
Best for: E-commerce shoppers, travelers, movie enthusiasts, golfers
Pinnacle
APPLY NOW
on IndusInd Bank's website
Annual fee
₹15,000
Rewards rate
₹5.00/₹100
Joining fee
₹15,000
Interest rate
42.00%
Card details
Forex Markup
1.50%
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- No renewal fee after Rs 15K joining. Priority Pass membership. 2.5X on e-commerce. BOGO movies up to Rs 600/month. Monthly golf benefits. Rs 1 Cr air accident cover
Cons
- High Rs 15K joining fee. Only 1 intl lounge visit/quarter from Mar 2025. 3.5% forex markup. Redemption cap 7,500 points/month
British Airways Visa Signature
APPLY NOW
on IndusInd Bank's website
Annual fee
₹5,000
Rewards rate
₹1.20 - ₹2.40/₹100
Joining fee
₹5,000
Interest rate
42.00%
Card details
Forex Markup
1.80%
Min Monthly Income ₹50
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- 2 complimentary international lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹5000 may not suit everyone
- Significant joining fee of ₹5000
- Limited lounge access (6 visits per year)
- High interest rate of 42.00% on revolving credit
Dynasty
APPLY NOW
on IndusInd Bank's website
Annual fee
₹25,000
Rewards rate
₹6.00 - ₹5.50/₹100
Joining fee
₹25,000
Interest rate
42.00%
Card details
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Unlimited international lounge access
- Unlimited domestic lounge access
- 24x7 dedicated concierge service
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹25000 may not suit everyone
- Significant joining fee of ₹25000
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹500K per month
- Invite-only card - not available for direct application
InterMiles Voyage Black
APPLY NOW
on IndusInd Bank's website
Annual fee
₹10,000
Rewards rate
₹2.25 - ₹4.50/₹100
Joining fee
₹10,000
Interest rate
42.00%
Card details
Forex Markup
1.80%
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹400000
- 4 complimentary international lounge visits per year
- Generous 8 domestic lounge visits per year
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 52 days
Cons
- High annual fee of ₹10000 may not suit everyone
- Significant joining fee of ₹10000
- High interest rate of 42.00% on revolving credit
- High income requirement of ₹100K per month
InterMiles Voyage Classic
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
Rewards rate
₹0.40 - ₹0.80/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Entry Level, Rewards, Travel
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 52 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
InterMiles Voyage Signature
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,999
Rewards rate
₹1.00 - ₹2.00/₹100
Joining fee
₹2,999
Interest rate
42.00%
Card details
Forex Markup
1.80%
Min Monthly Income ₹50
Categories Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹150000
- Low forex markup of 1.80% - great for international spends
- Extended interest-free period of 52 days
Cons
- Limited lounge access (4 visits per year)
- High interest rate of 42.00% on revolving credit
Nexxt
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹0.75/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 52 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
Platinum Aura Edge
APPLY NOW
on IndusInd Bank's website
Annual fee
₹1,499
Rewards rate
₹0.70 - ₹1.40/₹100
Joining fee
₹1,499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Lifestyle, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- Extended interest-free period of 52 days
- Contactless payment enabled for quick transactions
- Easy EMI conversion facility available
- Add-on cards available for family members
Cons
- Limited lounge access (4 visits per year)
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
IndusInd Aura
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Entry Level, Lifestyle, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- 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
IndusInd Celesta
APPLY NOW
on IndusInd Bank's website
Annual fee
₹1,499
Rewards rate
₹0.35 - ₹1.05/₹100
Joining fee
₹1,499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Categories Lounge Access, Rewards, Travel
CardNitty's take
Pros
- Annual fee waiver on spending ₹120000
- Good insurance coverage up to ₹50 lakh
- 24x7 dedicated concierge service
- 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
IndusInd EazyDiner
APPLY NOW
on IndusInd Bank's website
Annual fee
₹999
Rewards rate
₹0.35 - ₹1.75/₹100
Joining fee
₹999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Dining, Lounge Access, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹100000
- 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
Tigers
APPLY NOW
on IndusInd Bank's website
Annual fee
₹999
Rewards rate
₹0.60/₹100
Joining fee
₹999
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Lifestyle, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹75000
- Extended interest-free period of 52 days
- 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
Best for: Frequent restaurant diners in metro cities with extensive EazyDiner Prime coverage
EazyDiner Signature Credit Card
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,999
Rewards rate
₹0.40 - ₹1.00/₹100
Joining fee
₹2,999
Interest rate
46.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹25
Categories Dining, Lifestyle, Premium, Rewards
CardNitty's take
Pros
- Complimentary EazyDiner Prime membership worth Rs.3,550
- 25-50% dining discount at 2000+ restaurants nationwide
- Postcard Hotels voucher worth Rs.7,500 on joining
- 2,000 welcome bonus EazyPoints
- 10X rewards on hotel, travel, shopping, entertainment
- Extra 25% PayEazy discount up to Rs.1,000 per transaction
- Spend-based monthly dining discount caps (up to Rs.5,000)
- 1% fuel surcharge waiver up to Rs.250 per month
- 3X EazyPoints on all card spends
- Contactless payment enabled
- Total Protect fraud insurance coverage
- Complimentary alcoholic beverage at 200+ select restaurants
Cons
- Major devaluation effective July 15, 2025
- Airport lounge access discontinued from July 2025
- BookMyShow movie benefits removed from July 2025
- Air accident insurance discontinued from Dec 21, 2025
- High annual fee of Rs.2,999 with no waiver option
- Reward point value slashed from Rs.0.20 to Rs.0.10
- Restricted to Visa network only (no RuPay/UPI payments)
- Complex monthly discount caps require Rs.30K non-dining spend
- Low base reward rate on non-category spends (0.4%)
- Rewards expire within 12 months
- High interest rate of 46% p.a.
- Forex markup of 3.5% on international transactions
Platinum
APPLY NOW
on IndusInd Bank's website
Annual fee
₹499
Rewards rate
₹0.25/₹100
Joining fee
₹499
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Entry Level, Rewards
CardNitty's take
Pros
- Low annual fee of just ₹499
- Annual fee waiver on spending ₹50000
- Extended interest-free period of 52 days
Cons
- No complimentary lounge access
- High forex markup of 3.50% on international transactions
- High interest rate of 42.00% on revolving credit
IndusInd Duo
APPLY NOW
on IndusInd Bank's website
Annual fee
₹599
Rewards rate
₹0.25 - ₹0.50/₹100
Joining fee
₹599
Interest rate
42.00%
Card details
Forex Markup
3.50%
Min Monthly Income ₹20
Categories Lifestyle, Rewards
CardNitty's take
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
Best for: Premium users seeking high value rewards and low forex markup
IndusInd Crest
APPLY NOW
on IndusInd Bank's website
Annual fee
₹2,999
Rewards rate
₹1.05 - ₹1.75/₹100
Joining fee
₹2,999
Interest rate
N/A
Card details
Forex Markup
1.80%
Categories Lounge Access, Premium, Rewards
CardNitty's take
Pros
- Annual fee waiver on spending ₹200000
- Generous 8 domestic lounge visits per year
- Good insurance coverage up to ₹50 lakh
- Low forex markup of 1.80% - great for international spends
Cons
- High income requirement of ₹600K per month
- Reward points may have limited redemption options
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