IndusInd Bank Duo Credit Card - Features, Benefits, Fees & Charges

IndusInd Bank Duo Credit Card (3.9)

Regular Best For: Lifestyle
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The IndusInd Bank Duo Card is a unique debit-cum-credit card that is the first of its kind in India. It comes with a range of features and benefits designed to simplify your wallet and provide flexibility in payment options. You'll enjoy a yearly benefit of ₹3,000 worth of movie tickets, free access to airport lounges, concierge services, and much more with just ₹249. Read on to learn more.

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Travel
Fuel
Rewards
Shopping
Cashback
Dining
Insurance
Interest
Lounge
Welcome Bonus
  • 100 points on 1st shopping Transaction.
  • 50 points on 1st E-commerce Transaction.
  • 100 points Internet Banking Transaction and on Mobile Banking Transaction.
  • 100 points on transactions at IndusInd Bank ATM.
  • 50 points on transactions at Other Bank ATM.

Note: Reward points will be offered on the transactions done within 60 days of card issuance.

Insurance Benefit
  • Lost Baggage cover of ₹ 1,00,000.
  • Delayed Baggage and Lost Ticket cover of ₹25000.
  • Loss of Passport cover of ₹50000.
Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India.

Note: Applicable on credit card transactions between ₹400 to ₹4,000. 

Concierge Services
  • 24x7 Concierge service for booking of Hotel/Flight/Event.
  • To claim, reach out at 1860-267-7777. 
Other Benefit
  • 2% cross currency markup fee
  • Buy one get one offer on movie tickets.

Note: The movie offer is valid once a month on the BookMyShow.

 

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹249

Annual Fee

Nil

Annual Percentage Rate

46%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

2%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.50
Late Payment Charges

Balance below ₹100

₹ 0

Balance from ₹101 to ₹500

₹ 100

Balance from ₹501 to ₹1000

₹ 350

Balance from ₹1001 to ₹10000

₹ 550

Balance from ₹10001 to ₹25000

₹ 800

Balance from ₹25000 to ₹50000

₹ 1100

Balance more than ₹50000

₹ 1300
Pros

Aspects that make this credit card amazing.

  1. Combines debit and credit features in one card, offering flexibility and avoiding the need to carry multiple cards.
  2. No annual fee is charged.
  3. ₹3,000 worth of movie tickets annually.
Cons

Aspects this credit card lacks.

  1. Debit side may not be accepted at all merchants.
  2. Reward rate is not much attractive.
IndusInd Bank Duo Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

Charges

(3)

Rewards

(3.5)

Customer Service

(3)

IndusInd Duo Bank Credit Card Review

The IndusInd Bank Duo Credit Card is a suitable choice for those who want a card that can function as both a credit and a debit card. Nonetheless, users should exercise caution when using this card, as errors may occur while swiping the card at an ATM or POS system. Additionally, the card allows you to earn reward points on every purchase, and provides entertainment benefits, insurance coverage, fuel surcharge waivers, and much more.

Overall, considering its joining and annual fees, it is a decent card that enables you to enjoy the benefits of two cards at once. If you're searching for a basic credit card with standard features, you can apply for this credit card. However, if you're looking for a credit card that offers benefits in a specific category, this may not be the best choice.

Overview

Best for Rewards
Joining Fee ₹249 plus taxes
Annual Fee Nil
Welcome Bonus Up to 500 Reward Points
Card Network Visa

Who should get the IndusInd Duo Credit Card?

The IndusInd Duo Credit Card is an entry-level card designed to offer the benefits of both a Credit card as well as a debit card. That is why this card is ideal for users who are looking to take advantage of both in a single card, as the Duo Card offers a fuel surcharge waiver, personal & accidental insurance benefits with 24x7 concierge services, and a lot more by charging a nominal joining fee.

Reward Points

With the IndusInd Duo Bank Credit Card, users can earn points on use at ATMs, POS, and various other transactions as listed below.

Categories Reward Points
Shopping Transaction on Debit Card (Domestic) 100
Shopping Transaction on Debit Card (International/E-commerce) 50
Internet Banking Transaction

100

Mobile Banking Transaction 100 
ATM Withdrawals at IndusInd Bank ATMs only 100

How to apply for an IndusInd Duo Bank Credit Card?

IndusInd Duo Bank Credit Card can be applied by calling on 1860-267-7777 and through an online medium as well. To apply online, follow the below-mentioned steps:

  • Visit the IndusInd Bank Website. 

  • Go to the Cards, under the “Products tab”.

  • IndusInd Duo Card will be listed under the card’s category.

  • Click on “Apply Now” and start the application process.

  • Fill in all the required details and upload all the necessary documents to complete the process.

IndusInd Bank Duo Credit Card Eligibility

Applicants must be 18 to 65 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

  • Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
     
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
     
  • Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.
IndusInd Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:

IndusInd Bank

IndusInd Bank Credit Card Customer Care Number:

1860 267 7777

IndusInd Bank Card Offers:

View Offers

Total Cards:

29,36,739
IndusInd Bank Credit Card News

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IndusInd Bank Duo Customer Reviews

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Frequently Asked Questions

Yes, the IndusInd Duo Card has a Purchase Protection of up to Rs. 50,000.

Significant benefits of the Indusind Dual credit card include:

each year, receive cinema tickets worth Rs. 3,000.

Receive a 1% remission of the fuel surcharge on transactions between Rs. 400 and Rs. 4,000.

Earn 2% of the markup on foreign exchange.

Take advantage of the free annual fee.

The daily limit of an IndusInd Bank Duo card is Rs. 1,25,000 and on point-of-sale, it is Rs. 2,00,000.

Yes, you can have two credit cards but for the same you have to pay your bills before the due date, you need to have a stable income source and most importantly maintain a good credit history.

A dual-chip credit and debit card has been introduced by IndusInd Bank. This has two EMV chips and two magnetic stripes inside. The card can be used as both a debit and credit card. The card also includes promotions in a variety of categories, including leisure, travel, and lifestyle. The card has an Rs. 249 membership charge.

With an IndusInd Duo credit card, yes. You receive the first vehicle assistance service in India and a global concierge service that offers round-the-clock travel and concierge support.

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