Induslnd Bank Indulge Credit Card - Features, Benefits, Fees & Charges

IndusInd Bank Indulge Credit Card (4)

Premium Best For: Travel
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The IndusInd Bank Indulge Credit Card is perfect for those who have a taste for luxury. The card is designed with a 22K gold inlay and offers many premium benefits. These include a complimentary Priority Pass membership with unlimited lounge visits, 24x7 concierge service, air accident cover worth ₹2.5 crores, and many other privileges. Keep reading to learn more about this exclusive offering from IndusInd Bank.

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
Travel Benefit
  • 6 complimentary visits to domestic lounges per quarter via Visa lounge access program.
  • Priority Pass members have unlimited access to international lounges every quarter.
Reward Points
  • Earn 1.5 reward points for every spent using the card.
  • 1 reward point for every ₹100 spent on weekdays, 2 reward points for every ₹100 spent on weekends.
  • Reward Rate: 0.7% to 1.5%
Insurance Benefit
  • Personal air accident cover worth ₹2.5 crores in a matter of loss of life
  • Loss of card liability protection (applicable from 48 hours before reporting)
Concierge Services
  • Assistance for hotel/flight bookings is available 24x7 for IndusInd Indulge Credit Card
  • Phone: 1860 267 7777

Email: indulge.care@indusind.com

Entertainment Benefit
  • Buy one movie or non-movie ticket on BookMy Show and get another ticket free.
  • It can be availed maximum 3 times per month, maximum ticket price capped at ₹700 with an additional discount of  ₹50 for the F&B option.
  • 25% discount on non-movie tickets on BookMyShow.
  • Save ₹3,000 on dining bills twice per year.
Fee and Charges

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

Charges

Joining Fee

₹2,00,000

Annual Fee

Nil

Annual Percentage Rate

46%

Add-on Card Fee

NA

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

1.8%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹1
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 ₹25001 to ₹50000

₹ 1100

Balance more than ₹50001

₹ 1300
Pros

Aspects that make this credit card amazing.

  1. Priority Pass membership with lounge access.
  2. Cardholders can avail of movie ticket discounts and dining discounts.
  3. Air accident cover and card liability protection.
  4. The flexible spending limit allows users to spend over and above the base limit.
  5. The card has a low forex markup fee.
Cons

Aspects this credit card lacks.

  1. Low reward points compared to other premium credit cards.
  2. Complimentary lounge visits have limitations and restrictions.
  3. The card has a high-interest rate on outstanding balances.
  4. The card comes with a high joining fee, which may not be affordable for all cardholders.
  5. The card may not be accepted by all merchants, leading to inconvenience while using the card.
IndusInd Bank Indulge 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 Bank Indulge Credit Card Review

Indulge in a world of luxury with the IndusInd Bank Indulge Credit Card. This premium credit card gives cardholders 24/7 concierge services for all their travel and entertainment needs. Enjoy rewards like bonus points for every purchase, dining, and entertainment discounts, and added peace of mind with insurance coverage for air accidents and protection against card loss. While the IndusInd Bank Indulge Credit Card offers various benefits to cardholders, it's important to note that it comes with a joining fee that may not be suitable for those on a tight budget. Nonetheless, the IndusInd Bank Indulge Credit Card may be worth considering for those seeking ultimate convenience and comfort with the Credit Card.

Overview

Card Type Super Premium Credit Card
Best Suited Travel, Shopping, and Dining.
Rewards 1 reward point for every ₹100 spent on weekdays, 2 reward points for every ₹100 spent on weekends
Annual Fee Nil
Joining Fee ₹2,00,000 (no annual fee applicable).

Who should Opt for IndusInd Indulge Credit Card?

The Indusind Indulge Credit Card best suits individuals who value a wide range of premium services and exclusive privileges. With benefits such as international lounge access, movie and dining discounts, and 24x7 concierge service, this card is perfect for individuals who enjoy an elevated lifestyle and spending in these categories. No fixed credit limit feature, low forex markup fee, and insurance benefits further add to its appeal. This credit card may be the perfect choice for those seeking a premium and rewarding financial experience.

Reward Redemption
  • Every ₹100 spent with the card results in 1.5 Reward Points.
  • For redemption against AirMiles, 100 Reward Points = 100 Airmiles.
  • For redemption against Cash Credit, 1 Reward Point = ₹1.
  • The rewards points earned by the cardholder can be redeemed against AirMiles (InterMiles and Vistara) as well as Cash Credits and IndusMoments, which can be used to purchase select products and shopping vouchers.
  • AirMiles or Cash Credits can only be redeemed after accumulating 500 Reward Points.
  • Each statement cycle can redeem a maximum of 30,000 reward points.

How to apply for Induslnd Indulge Credit Card?

To apply for the IndusInd Indulge Credit Card, follow these steps:

Step 1: Visit the IndusInd Bank's official website.

Step 2: Click on the "Apply for Cards" section.

Step 3: Choose the "IndusInd Indulge Credit Card" option from the list of available credit cards.

Step 4: Fill in the online application form with personal, financial, and employment details.

Step 5: Submit the required documents, including identity proof, address proof, income proof, and others.

Step 6: Wait for the bank to process the application and conduct a credit check.

Step 7: If approved, the bank will contact you regarding the details on the card and how to activate it.

Step 8: Once the card is activated, users can start using it for purchases and avail of the various benefits and rewards the card offers.

IndusInd Bank Indulge Credit Card Eligibility 

  • Age: Minimum 18 years
  • Occupation: Salaried or Self Employed
  • Income: Salaried - ₹48 Lakhs p.a., Self-Employed: ITR > ₹60 Lakhs p.a.

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
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IndusInd Bank Indulge Customer Reviews

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Frequently Asked Questions

No, the card doesn’t offer customers any welcome benefit or gift.

The credit-free period is Up to 50 days only when the previous amount is paid in full.

IndusInd Indulge Credit Card is an exclusive card with a pure 22K inlay and with no pre-set spending limit because the credit card limit largely depends on the credit history and income of the individual.

You can pay the bills of your IndusInd Bank Platinum credit card online via Internet Banking, NEFT, set an auto-debit payment mode, Mobile banking, and NACH Facility. You can also visit the nearest bank branch and pay via cash or cheque.

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