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

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.