Daily expenses — like groceries, dining out, movies, utility bills — can add up. What if you could earn reward points on many of these regular spends using your credit card? IndusInd Bank offers a variety of credit cards that let you earn reward points on your everyday purchases. This guide explains how these reward plans work, which key cards to consider, and how you can make the most of regular spending.
Why Choose IndusInd Bank Credit Cards for Daily Spends
When you pay with an IndusInd Bank credit card, you get more than just payment convenience. Some of the benefits include:
- Reward points on nearly all purchases—from daily shopping to dining and entertainment
- Bonus or accelerated reward points for specific categories like weekends, departmental stores and online spends
- Redemption options that turn your points into vouchers, cash‐credits or travel benefits
- Some cards with no annual fee or low costs, making them suitable for regular use
If you spend regularly and want to make your daily payments work harder for you, an IndusInd Bank card with good reward earning can make sense.
How the Reward Points Work
Understanding how you earn is key before you pick a card. Here are some features of IndusInd’s reward structure:
- Most cards show a base rate: this could be 1 reward point for every ₹100 (or ₹150) spent, on standard category spends. (For example: on the Legend Credit Card you get 1 reward point for every ₹100 on weekdays, and 2 reward points for every ₹100 on weekends.)
- Some cards give higher points for special categories: e.g., departmental stores, online shopping, dining.
- There are variations and exclusions: for example, spends on utilities, insurance, rent or government payments may earn fewer points.
- Validity, redemption rules, and categories differ between cards—so you should review your card’s specific terms.
Key IndusInd Bank Cards for Daily Spends
Here are some standout cards that suit everyday use and earning points:
IndusInd Bank Legend Credit Card
- Earn 1 reward point for every ₹100 spent on weekdays.
- Earn 2 reward points for every ₹100 spent on weekends.
- Suitable for users who want extra return for end-of‐week spending (entertainment, shopping, dining).
- Ideal if you spend regularly and want to maximise reward accumulation.
IndusInd Bank Signature Credit Card
- Earn 1.5 reward points for every ₹100 spent.
- A good option for daily spending across categories, with a simple earning structure.
IndusInd Bank Platinum Aura Edge Credit Card
- On selected categories like departmental stores, you may earn up to 4 reward points per ₹100.
- On restaurant bills and books you might get 1.5 reward points per ₹100.
- Works well for users who buy from various categories and want higher rewards.
IndusInd Bank Payback Credit Card
- Tailored for groceries, shopping and dining: you earn more reward points (PAYBACK points) on these spends.
- Good for frequent shoppers who favour certain categories.
Tips to Maximise Reward Points on Daily Spends
To get the most value, consider these tips:
- Use the card for everyday purchases: groceries, dining, entertainment, and not just big spends.
- Focus on cards’ higher reward days or categories: for example the weekend boost on Legend.
- Pay attention to spends that earn fewer points—utilities, insurance etc may have lower rates; if you have options, use a card better suited for those.
- Redeem your accumulated points regularly before they expire or lose value.
- Combine your reward earning with offers/promotions from the bank that boost points further.
Things to Watch Before You Apply
When you pick a card, keep these in mind:
- Annual fee: Some cards may have a higher fee. Check whether you can offset it through rewards.
- Spend conditions: To get full benefit you may need to spend a certain amount or focus on certain categories.
- Reward value and redemption: One reward point might equal different value depending on how you redeem (cash-credit, vouchers, travel).
- Exclusions: Some spends may earn fewer or no points (fuel spends, government/utility categories).
- Changes & devaluation: Banks can change the reward structure or value of points. It’s good to stay updated.
Final Thoughts
If you spend regularly and want your everyday shopping, dining and entertainment to earn something back, the IndusInd Bank reward cards stand out. Whether you go for the Legend for higher weekend returns, Signature for simplicity, or the Platinum Aura Edge for diverse categories—the key is to pick the card that aligns with your spending habits.
Use your card strategically: routinely, in the right categories, pay off the balance, redeem points smartly. With that, your daily spends can turn into meaningful rewards.