IndusInd Bank Credit Card: Key Features and Benefits
IndusInd Bank offers a wide range of credit cards designed for different types of users, from first-time cardholders to frequent travellers and premium customers. Whether you want to earn reward points on everyday purchases, enjoy airport lounge access, save on dining, or make UPI payments using a RuPay credit card, the bank has multiple options to suit your needs.
Over the years, IndusInd Bank has become one of India's leading private sector banks by offering innovative banking products and digital services. Its credit card portfolio includes lifetime-free, rewards, travel, shopping, fuel, and premium lifestyle cards. Choosing the right card can help you save more on your regular expenses while enjoying exclusive offers and privileges.
IndusInd Bank Credit Cards Comparison
| Credit Card | Best For | Joining / Annual Fee | Key Benefits | Lounge Access | Reward Program | RatingOK Recommendation |
|---|---|---|---|---|---|---|
| IndusInd Avios Visa Infinite | Premium travel | ₹40,000 / ₹10,000 | Avios points, airport lounge access, travel & hotel benefits | Domestic & International | Avios Rewards | ★★★★★ |
| Indulge Credit Card | Luxury lifestyle | ₹75,000 / ₹10,000 | Unlimited golf, concierge, premium travel & lifestyle privileges | Unlimited | Reward Points | ★★★★★ |
| Crest Credit Card | High-income professionals | ₹10,000 / ₹10,000 | Golf benefits, luxury travel, World Elite privileges | Domestic & International | Reward Points | ★★★★★ |
| Tiger Credit Card | Travel & rewards | Lifetime Free | Zero joining fee, travel rewards, low forex markup | Yes | Reward Points | ★★★★★ |
| Pinnacle Credit Card | Shopping & lifestyle | ₹15,000 / ₹2,500 | Golf, lounge access and accelerated online rewards | Yes | Reward Points | ★★★★☆ |
| Legend Credit Card | Everyday spending | Lifetime Free | Weekend reward points, fuel surcharge waiver | No | Reward Points | ★★★★☆ |
| EazyDiner IndusInd Platinum | Dining | Lifetime Free | EazyDiner Prime membership and dining discounts | No | Reward Points | ★★★★☆ |
| Platinum Aura Edge Credit Card | Flexible rewards | Lifetime Free | Up to 8X reward points with selectable reward plans | No | Reward Points | ★★★★☆ |
| Platinum Visa Credit Card | Beginners | Lifetime Free | Basic rewards and insurance benefits | No | Reward Points | ★★★☆☆ |
| Platinum RuPay Credit Card | UPI payments | Lifetime Free | UPI-enabled, reward points on UPI transactions | No | Reward Points | ★★★★☆ |
Key Features and Benefits of IndusInd Bank Credit Cards
IndusInd Bank credit cards are packed with features that make everyday spending more rewarding. Depending on the card you choose, you can enjoy welcome benefits, reward points, cashback, travel privileges, and exclusive lifestyle offers.
- Earn reward points on eligible transactions
- Airport lounge access on selected cards
- Fuel surcharge waiver at eligible fuel stations
- Dining discounts and movie offers
- EMI conversion on large purchases
- Contactless payments for faster transactions
- RuPay credit cards with UPI payment support
- Zero liability protection against unauthorized transactions after reporting card loss
These benefits allow cardholders to maximize the value of their spending while enjoying a secure and convenient payment experience.
Most Popular IndusInd Bank Credit Cards in India
| Credit Card | Best For | Annual Fee* | Key Benefit |
|---|---|---|---|
| Legend Credit Card | Everyday spending | Low / Lifetime Free (selected offers) | Rewards and lifestyle benefits |
| Tiger Credit Card | Travel & rewards | Medium | Travel rewards and lounge access |
| Platinum RuPay Credit Card | UPI users | Low | UPI payments with rewards |
| EazyDiner Credit Card | Dining | Medium | Dining discounts and complimentary memberships |
| Pinnacle Credit Card | Premium users | High | Travel and lifestyle privileges |
| Crest Credit Card | High spenders | High | Premium rewards and airport lounge access |
| Indulge Credit Card | Luxury lifestyle | Premium | Luxury travel and concierge services |
Note: Annual fees and benefits may change over time. Always verify the latest details before applying.
Who Should Choose an IndusInd Bank Credit Card?
IndusInd Bank offers credit cards for different spending habits and financial goals. If you regularly shop online, travel frequently, dine out, or use UPI for daily payments, you can find a card that matches your lifestyle.
For beginners, entry-level cards provide simple rewards with lower fees. Frequent travellers can benefit from airport lounge access and travel rewards, while premium users can enjoy luxury privileges, concierge services, and exclusive memberships.
Quick Comparison
| Category | Best IndusInd Bank Credit Card |
|---|---|
| Best Overall | Tiger Credit Card |
| Best Premium Card | IndusInd Avios Visa Infinite |
| Best Luxury Card | Indulge Credit Card |
| Best Travel Card | Tiger Credit Card |
| Best Dining Card | EazyDiner IndusInd Platinum |
| Best UPI Credit Card | Platinum RuPay Credit Card |
| Best Lifetime Free Card | Tiger Credit Card |
| Best Rewards Card | Pinnacle Credit Card |
| Best for Everyday Spending | Legend Credit Card |
| Best for Beginners | Platinum Visa Credit Card |
Compare Popular IndusInd Bank Credit Cards
| Spending Habit | Recommended Card Type | Main Advantage |
|---|---|---|
| Everyday shopping | Legend Credit Card | Reward points on daily expenses |
| UPI payments | Platinum RuPay Credit Card | Convenient UPI transactions |
| Dining | EazyDiner Credit Card | Restaurant discounts and offers |
| Travel | Tiger or Pinnacle Credit Card | Lounge access and travel benefits |
| Premium lifestyle | Crest or Indulge Credit Card | Luxury privileges and premium rewards |
Eligibility Criteria
Before you apply, make sure you meet the basic eligibility criteria. Although the criteria may differ depending on the card, applicants generally need to:
- Be at least 21 years old
- Have a stable source of income
- Maintain a good credit score
- Submit valid identity and address proof
- Meet the bank's income and eligibility requirements
A healthy credit profile improves the chances of faster approval.
Easy Way to Apply for an IndusInd Bank Credit Card
Getting an IndusInd Bank Credit Card is easy. Start by comparing different cards and selecting one that matches your spending pattern. Complete the online application form, upload the required documents, and submit your application. You can also apply through an IndusInd Bank branch if you prefer offline assistance.
After document verification and eligibility checks, the bank reviews your application. After your application is approved, your credit card will be sent to your registered address.
Real-Life Example
Suppose you spend around ₹20,000 every month on groceries, fuel, utility bills, dining, and online shopping. By using the right IndusInd Bank Credit Card, you can earn reward points, receive dining discounts, save on fuel surcharge, and enjoy promotional offers throughout the year.
Instead of making payments through cash or debit cards, using a suitable credit card for planned expenses can provide additional value without increasing your spending, provided you pay the full bill on time every month.
Things to Keep in Mind Before Applying
Before choosing any credit card, compare the annual fee, reward program, joining benefits, interest rates, and additional features. Select a card that matches your regular spending rather than choosing one solely for its welcome offer.
It is equally important to pay your credit card bill before the due date, keep your credit utilization under control, and avoid unnecessary cash withdrawals. Responsible credit card usage not only helps you avoid extra charges but also contributes to building a strong credit history.
Should You Get an IndusInd Bank Credit Card?
IndusInd Bank Credit Cards are suitable for a wide range of customers, including beginners, frequent travellers, online shoppers, and premium lifestyle users. With features like reward points, lounge access, dining offers, fuel savings, and RuPay UPI support, these cards help you save more on your daily expenses.
Before applying, compare the available cards based on their annual fees, eligibility, rewards, and benefits. Choosing the right IndusInd Bank Credit Card according to your spending habits will help you maximize savings while enjoying exclusive privileges throughout the year.
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Frequently Asked Questions
- How can I check my IndusInd Bank credit card application status?
You can check your status online using your application number, mobile number, or date of birth. You’ll also get updates through SMS on your registered mobile number.
- What is the fastest way to track my application?
The quickest way is through SMS alerts. You can also check online or call customer care for updates.
- What does ‘In Progress’ status mean?
It means your application is under review. The bank is checking your details. You should wait a few days or contact support if it takes longer.
- What are the eligibility requirements for a credit card?
You must be 21 to 60 years old, have a stable income (around ₹20,000 or more), and a good credit score. People with a salary job as well as those who run their own business can apply.
- Can I apply for an IndusInd Bank credit card online?
Yes, you can apply online by selecting a card, filling out the form, uploading documents, and submitting it.
- Can I get an add-on card for my family?
Yes, you can get add-on cards for your spouse, children, or parents with similar benefits.
- Do these credit cards offer airport lounge access?
Yes, some premium cards provide international airport lounge access.
- Is there an interest-free period available?
Yes, you can get up to 50 days of interest-free credit on purchases.
- Is there any annual fee waiver option?
Yes, some cards offer fee waivers if you meet certain spending limits.
- What are the charges for cash transactions?
A fee of around ₹100 is charged for cash-related transactions.
- How can I contact customer care?
You can call 1860 267 7777 for any credit card-related help.