IndusInd Bank Revises Credit Card Charges From June 2026

Banks are continuously updating their credit card fee structures to control misuse of rewards and complimentary benefits. After multiple issuers introduced restrictions and additional charges on specific spending categories, IndusInd Bank has now announced revised charges for its credit cards.

The new fee structure will become effective from 15 June 2026 and will impact fuel transactions, transport-related spends, Dynamic Currency Conversion (DCC), and interest calculations on outstanding dues.

IndusInd Bank Credit Card Charges Revised

IndusInd Bank has introduced changes across multiple transaction categories to improve transparency and streamline credit card usage. Depending on the card variant, customers may now have to pay additional charges on high-value transactions.

Fuel Transaction Charges

IndusInd Bank will now levy a 1% fee + GST on fuel transactions once the cumulative spending crosses a certain limit in a statement cycle.

Fuel Fee Applicable After ₹30,000 Spend

For the following credit cards, the charge will apply after fuel spends exceed ₹30,000:

• Platinum RuPay Credit Card
• Platinum Credit Card
• Legend Credit Card
• Nexxt Credit Card
• EazyDiner Platinum Credit Card
• Signature Credit Card
• Samman Credit Card

Fuel Fee Applicable After ₹50,000 Spend

For premium variants, the fee will be charged only after fuel spends cross ₹50,000 in a statement cycle:

• Indulge Credit Card
• Celesta Credit Card
• Crest Credit Card
• Pinnacle Credit Card
• EazyDiner Signature Credit Card
• Tiger Credit Card

Exempted Cards

No fuel transaction fee will apply on:

• Pioneer Private Credit Card
• Pioneer Heritage Credit Card
• Indus Solitaire Credit Card

This change will mainly affect users who regularly use their credit cards for large fuel payments.

DCC Charges Updated

Dynamic Currency Conversion (DCC) allows international transactions to be processed in Indian Rupees instead of the local foreign currency. These charges are generally applicable while shopping abroad or making payments to overseas merchants.

2% DCC Charge + GST

The following cards will attract a 2% DCC markup fee + GST:

• Platinum RuPay Credit Card
• Platinum Credit Card
• Legend Credit Card
• Nexxt Credit Card
• EazyDiner Platinum Credit Card
• Signature Credit Card
• Samman Credit Card
• Tiger Credit Card

1% DCC Charge + GST

Premium cards will continue to get a lower 1% DCC fee + GST:

• Pioneer Private Credit Card
• Pioneer Heritage Credit Card
• Pioneer Legacy Credit Card
• Indulge Credit Card
• Celesta Credit Card
• Crest Credit Card
• Indus Solitaire Credit Card
• Pinnacle Credit Card
• Avios Visa Infinite Credit Card
• EazyDiner Signature Credit Card

New Charges on Transport Transactions

IndusInd Bank has also introduced charges on transport-related transactions.

A 1% fee + GST will apply once cumulative transport spends exceed ₹40,000 in a statement cycle. The charge will apply on select merchant category codes (MCCs), excluding air travel transactions.

Applicable MCC Codes

• MCC 4111
• MCC 4112
• MCC 4784
• MCC 4131

Cards Exempted From Transport Fee

• Pioneer Private Credit Card
• Pioneer Heritage Credit Card
• Indus Solitaire Credit Card

Interest Calculation Rules Revised

The bank has also changed the way interest will be calculated for customers making partial credit card bill payments.

Under the revised policy:

• Interest will continue to accrue until the outstanding amount is completely cleared.
• Even if the customer later pays the total amount before the due date, interest may still appear in the next statement.
• The interest-free grace period will only be restored after the following month’s bill is paid in full and on time.

This means customers making partial payments may end up paying additional finance charges.

Effective Date

All revised charges and updated policies will become effective from 15 June 2026.

Customers should review their spending habits and understand the updated fee structure to avoid unexpected charges.

Final Words

With these revised charges, IndusInd Bank credit card users may need to monitor their transactions more carefully, especially fuel, transport, and international spends. While the bank aims to improve transparency and prevent misuse of benefits, the new rules could increase costs for frequent users.

Cardholders are advised to review the revised terms carefully before the changes come into effect in June 2026.