🏦 IndusInd Bank · Premium Card Specialists · Official Guide
Best IndusInd Bank Credit Cards – Features, Benefits, Fees & Apply Online
IndusInd Bank is known for India's most distinctive and rewarding credit cards — from the ultra-premium Celesta to the innovative Nexxt card. Compare all IndusInd credit cards, check free eligibility, and apply instantly at MyBankingTips.
IndusInd Bank Credit Cards — Premium Banking, Exceptional Rewards
IndusInd Bank is one of India's most customer-centric private sector banks, known for its premium, feature-rich credit cards. From the innovative Nexxt Card (India's first credit card with a choice of reward modes per transaction) to the ultra-premium Celesta Metal Card, IndusInd offers a card for every aspiration. At MyBankingTips, you can compare all IndusInd credit cards, check eligibility instantly, and apply online without impacting your CIBIL score.
IndusInd Bank, established in 1994, is among India's fastest-growing private sector banks with a strong emphasis on lifestyle, travel, and dining privileges for credit card holders. IndusInd credit cards are particularly popular for their dining cashback (up to 20% off at 5,000+ restaurants via EazyDiner), contactless payments, and premium metal card variants.
Whether you want a card designed for dining, travel, golf, movies, or everyday cashback — IndusInd Bank has a thoughtfully crafted product for you. Our expert team has reviewed each IndusInd card to help you find your perfect match.
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Key Highlight: The IndusInd Bank Nexxt Credit Card is India's first credit card that lets you choose your reward mode on every transaction — cashback, reward points, or EMI — using a dedicated button on the card itself. A true fintech innovation.
Top IndusInd Bank Credit Cards in India 2026
Here are the best-rated HDFC credit cards across categories. Compare features, fees, and rewards to find your ideal card:
Joining Fee
₹75000 + GST
Annual Fee
₹10000 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
Welcome Benefits
N/A
- Premium card with 22K gold inlay and no pre-set spending limit.
- 1.5% reward points on all spends, redeemable 1:1 for cashback.
- Low forex markup fee of 1.8% on international transactions.
- Unlimited golf games and lessons, plus 4 premium golf games per month.
- Buy 1 Get 1 offer on BookMyShow tickets, plus extra discounts on F&B.
- Dining discounts up to ₹6,000 per year via EazyDiner.
- 4 complimentary international lounge visits per quarter.
- 1% fuel surcharge waiver on petrol transactions.
- Annual fee waiver on spending ₹10 lakh or more in a year.
- Additional VISA benefits: fast-track immigration, airport limo discounts, and more.
Joining Fee
₹10000 + GST
Annual Fee
₹4000 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
Welcome Benefits
Get Welcome gift containing a free one-way flight ticket from InterMiles.
- Get a welcome bonus of 15,000 InterMiles when you join.
- Earn an additional 5,000 InterMiles as a renewal benefit each year.
- Earn up to 4 InterMiles for every ₹100 spent on regular purchases.
- Enjoy 2.5X bonus InterMiles and up to 10% discount when booking tickets on Etihad Airways via InterMiles.com.
- Earn 2X InterMiles on flight bookings, Amazon purchases through InterMiles.com, and hotel stays via InterBook.InterMiles.com.
- Get two complimentary Visa airport lounge visits every quarter.
- Enjoy complimentary movie tickets and golf access.
- Save on fuel surcharge across all petrol pumps.
- Receive Priority Pass membership for you and a partner.
Joining Fee
₹0 + GST
Annual Fee
₹0 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
Welcome Benefits
Activation benefits from Luxe gift card, Montblanc, Post Card and vouchagram.
Joining Fee
₹0 + GST
Annual Fee
₹0 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
Welcome Benefits
Luxe Gift Card and vouchers of top brands, including The Postcard Hotel, Montblanc, Amazon, Flipkart, Apollo Pharmacy, Uber, Ola, Pantaloons, Bata, and more.
- Lifetime free credit card
- Earn reward points on all transactions, including UPI spends (RuPay variant)
- Redeem points for cashback, airline miles, or rewards catalogue items
- Fuel surcharge waiver on petrol purchases
- Welcome gift vouchers from top brands
- Travel insurance coverage up to ₹25 lakh
Joining Fee
₹500 + GST
Annual Fee
₹0 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
Welcome Benefits
Get vouchers from top brands like EaseMyTrip, Bath & Body Works, Ixigo, Domino’s, Marks & Spencer, Nykaa, MakeMyTrip, and more upon paying the joining fee.
- Choose your rewards plan: Shop, Home, Travel, or Party
- Earn up to 4 points per ₹100 on select spends; 0.5 points per ₹100 on others
- Redeem points for cash, KrisFlyer Miles, or “Pay with Points”
- Welcome vouchers from top brands like EaseMyTrip, Nykaa, Domino’s, MakeMyTrip
- 1% fuel surcharge waiver up to ₹100 per month on spends of ₹500–₹3,000
- Insurance cover for lost baggage, delayed baggage, lost ticket, missed connection, passport loss, and air accidents up to ₹25 lakh
- Lifetime free card with no joining or annual fee
Joining Fee
₹2000 + GST
Annual Fee
₹2000 + GST
Rewards Type
Reward Points
Best For
Travel
Rewards Benefits
- Get 5% discount on flight bookings via Jet Airways platforms
- Enjoy airport lounge access via Priority Pass and Travel Plus program
Welcome Benefits
Get 2,000 InterMiles as welcome bonus
- Get 2,000 InterMiles as welcome bonus
- Earn 3 InterMiles per ₹100 on weekdays and 2X InterMiles on weekends (Amex variant)
- Earn 2X InterMiles on flights, Amazon and hotel bookings via InterMiles platforms
- Enjoy complimentary airport lounge access via Priority Pass
- Get 1 free movie ticket every month on BookMyShow
- Save with 1% fuel surcharge waiver up to ₹250 per month
Joining Fee
₹10000 + GST
Annual Fee
₹5000 + GST
Rewards Type
Reward Points
Best For
Travel | Airport Lounge Access
Rewards Benefits
- Earn 6 Avios per ₹200 on spends at select international destinations
- Earn 5 Avios per ₹200 on Qatar Airways and British Airways bookings
Welcome Benefits
Get 20,000 bonus Avios as welcome benefit (Qatar Airways / British Airways).
- Get 10% + additional 10% discount on Qatar Airways flight bookings
- Earn up to 6 Avios per ₹200 on spends and up to 36,000 bonus Avios annually
- Get 20,000 Avios as welcome bonus and 5,000 Avios on renewal
- Enjoy Priority Pass membership with international and domestic lounge access every quarter
- Pay low forex mark-up fee of 1.5% on international spends
- Get complimentary airport meet & greet services and concierge assistance
- Save with 1% fuel surcharge waiver (uncapped)
- Enjoy global Visa offers on airport services and limo transfers
Joining Fee
₹249 + GST
Annual Fee
₹0 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
Welcome Benefits
- Dual functionality: Works as both credit and debit card with two EMV chips.
- Reward Points: Earn 1 reward point for every Rs. 150 spent; extra points on first transactions.
- Entertainment Benefits: Free movie tickets worth Rs. 3,000 per year and B1G1 offers on BookMyShow.
- Insurance Coverage: Air accident, personal accident, lost card liability, baggage, and passport cover up to Rs. 25 lakh.
- Fuel & Forex Benefits: 1% fuel surcharge waiver (up to Rs. 250/month) and 2% cross-currency mark-up fee.
- Concierge Service: 24×7 assistance for travel bookings, hotels, and exclusive experiences.
Joining Fee
₹10000 + GST
Annual Fee
₹0 + GST
Rewards Type
Reward Points
Best For
Rewards Benefits
Welcome Benefits
With the IndusInd Bank Nexxt Credit Card you can choose any one of the options from a select collection of welcome gifts for you. Merchants include – EazyDiner, Bata, Montblanc, Oberoi Hotels, Yatra, Vero Moda, Aldo, etc.
- 1 Reward Point for every Rs. 150 spent; redeem for cash, KrisFlyer Miles, or via Rewards Portal.
- Welcome gift from a curated list including luxury and lifestyle brands.
- Buy 1 Get 1 free movie tickets (max 2/month).
- Complimentary insurance: Lost Card Liability and Personal Air Accident cover up to Rs. 25 Lakh.
- IndusInd Assistance for travel, bookings, and exclusive services.
- 1% fuel surcharge waiver up to Rs. 250 per month on transactions between Rs. 500–3,000.
IndusInd Bank Indulge Credit Card
Joining Fee: 75000
✈ Travel 🏆 Reward 👑 Premium
InterMiles IndusInd Bank Odyssey Credit Card
Joining Fee: 10000
✈ Travel 🏆 Reward 👑 Premium
- Get Welcome gift containing a free one-way flight ticket from InterMiles.
IndusInd Bank Legend Credit Card
Joining Fee: 0
✈ Travel 🏆 Reward 👑 Premium
- Activation benefits from Luxe gift card, Montblanc, Post Card and vouchagram.
IndusInd Bank Platinum Credit Card
Joining Fee: 0
✈ Travel 🏆 Reward 👑 Premium
- Luxe Gift Card and vouchers of top brands, including The Postcard Hotel, Montblanc, Amazon, Flipkart, Apollo Pharmacy, Uber, Ola, Pantaloons, Bata, and more.
IndusInd Platinum Aura Edge Credit Card
Joining Fee: 500
✈ Travel 🏆 Reward 👑 Premium
- Get vouchers from top brands like EaseMyTrip, Bath & Body Works, Ixigo, Domino’s, Marks & Spencer, Nykaa, MakeMyTrip, and more upon paying the joining fee.
InterMiles IndusInd Voyage Credit Card
Joining Fee: 2000
✈ Travel 🏆 Reward 👑 Premium
- Get 5% discount on flight bookings via Jet Airways platforms
- Enjoy airport lounge access via Priority Pass and Travel Plus program
- Get 2,000 InterMiles as welcome bonus
IndusInd Bank Avios Visa Infinite Credit Card
Joining Fee: 10000
✈ Travel 🏆 Reward 👑 Premium
- Earn 6 Avios per ₹200 on spends at select international destinations
- Earn 5 Avios per ₹200 on Qatar Airways and British Airways bookings
- Get 20,000 bonus Avios as welcome benefit (Qatar Airways / British Airways).
IndusInd Bank Duo Credit Card
Joining Fee: 249
✈ Travel 🏆 Reward 👑 Premium
IndusInd Nexxt Credit Card
Joining Fee: 10000
✈ Travel 🏆 Reward 👑 Premium
- With the IndusInd Bank Nexxt Credit Card you can choose any one of the options from a select collection of welcome gifts for you. Merchants include – EazyDiner, Bata, Montblanc, Oberoi Hotels, Yatra, Vero Moda, Aldo, etc.
IndusInd Bank Credit Cards Comparison Table
| Card Name |
Annual Fee |
Best For |
Reward Rate |
Lounge Access |
Fee Waiver |
Apply |
| IndusInd Celesta Metal |
₹40,000 |
Ultra-Premium |
3.5 pts/₹100 |
Unlimited |
By invite only |
Apply → |
| IndusInd Legend |
₹9,999 |
Premium Travel |
2 pts/₹100 |
Unlimited |
₹8L spend |
Apply → |
| IndusInd Pinnacle |
₹12,500 |
Golf & Travel |
2.5 pts/₹100 |
Unlimited |
₹10L spend |
Apply → |
| EazyDiner IndusInd |
₹1,999 |
Dining |
2 pts/₹100 |
16/year |
₹3L spend |
Apply → |
| IndusInd Nexxt |
₹1,499 |
Flexible Rewards |
1.5 pts/₹100 |
None |
₹1.5L spend |
Apply → |
| IndusInd Platinum RuPay |
₹499 |
UPI + Fuel |
1 pt/₹100 |
None |
₹50K spend |
Apply → |
| IndusInd Tiger Credit Card |
₹999 |
Everyday Spends |
1.5 pts/₹100 |
8/year |
₹1L spend |
Apply → |
| IndusInd Platinum Visa |
₹999 |
Entry Level |
1 pt/₹100 |
4/year |
₹1L spend |
Apply → |
How to Apply for an IndusInd Bank Credit Card Online at MyBankingTips
Applying for an IndusInd Bank credit card online through MyBankingTips is simple, paperless, and completely free. Here's your step-by-step guide:
1
Compare IndusInd Cards on MyBankingTips
Browse all IndusInd credit cards filtered by category — dining, travel, premium, or everyday rewards. Compare features, annual fees, lounge access, and reward rates side by side.
2
Free Eligibility Check — Zero CIBIL Impact
Enter your monthly income, employment type, and city for an instant eligibility check. This soft enquiry has absolutely no impact on your CIBIL score.
3
Click Apply Now & Fill the Application
You'll be redirected to the official IndusInd Bank or partner portal. Complete the online application form with personal, contact, and income details.
4
Upload Documents Digitally
Upload PAN card, Aadhaar, latest 3 months' salary slips and 6-month bank statement. IndusInd Bank supports Aadhaar OTP-based eKYC for instant paperless verification.
5
Application Review & Credit Check
IndusInd Bank reviews your application and performs a CIBIL check. Eligible applicants — especially existing account holders — often receive in-principle approval within minutes.
6
Card Delivery & Activation
Upon final approval, your IndusInd credit card is dispatched within 5–7 working days. Some variants offer an instant virtual card through the IndusMobile app for immediate use.
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Insider Tip: Existing IndusInd Bank savings or salary account holders are frequently offered pre-approved credit cards with instant approval and reduced documentation requirements. Check the IndusMobile app under "Offers" for personalised pre-approved card offers.
IndusInd Bank Credit Card Fees & Charges
A complete and transparent breakdown of all IndusInd credit card fees and charges so you can plan your finances better:
| Fee / Charge Type |
IndusInd Card Amount |
Notes |
| Joining / Annual Fee |
₹499 – ₹40,000 + GST |
Varies by card. Waived on meeting annual spend threshold. |
| Finance Charges (Interest) |
3.5% per month (42% p.a.) |
On revolving balance; charged from statement date if not paid in full |
| Late Payment Fee |
₹100 – ₹1,200 |
Slab-based on total outstanding amount due |
| Cash Advance Fee |
2.5% or ₹300 (whichever higher) |
No interest-free period; interest charged from the withdrawal date |
| Foreign Transaction Fee |
3.5% + GST |
Celesta Metal charges lower forex markup of 2% |
| Over-Limit Charge |
2.5% of over-limit amount |
Minimum ₹500 per billing cycle |
| Fuel Surcharge |
1% of transaction value |
Surcharge waiver up to ₹150/month on select IndusInd cards |
| Card Replacement Fee |
₹199 – ₹500 |
For lost/stolen/damaged card replacement |
| Cheque Return Fee |
₹500 per instance |
For any dishonoured payment instruments |
| GST on All Charges |
18% |
Applicable on all fees, interest, and other charges |
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Important: All IndusInd Bank credit card fees and charges are subject to 18% GST. The IndusInd Celesta and Pinnacle cards offer a lower forex markup of 2% — ideal for frequent international travellers. Always read the MITC document before applying.
IndusInd Bank Credit Card Eligibility Criteria
Ensure you meet the IndusInd Bank credit card eligibility requirements before applying for the smoothest possible experience:
Age: 21 – 65 Years
Primary cardholder must be 21–65 years old. Add-on cardholders can be from 18 years. Premium cards may require 25+ years.
Income: ₹25,000+/month
Salaried: ₹25,000/month for standard cards. Pinnacle/Legend/Celesta need ₹1L–₹3L+/month. Self-employed: ₹3L+ annual ITR.
CIBIL Score: 720+
A minimum CIBIL score of 720 is recommended. Premium cards (Legend, Pinnacle, Celesta) need 750+. IndusInd evaluates holistically for borderline cases.
Residency: Indian Citizen / NRI
Indian residents and select NRIs eligible. Minimum 1 year at current address preferred for standard credit assessment.
Employment: Salaried or Self-employed
Both salaried professionals and self-employed individuals are eligible. IndusInd also offers specific cards for business owners and HNIs.
IndusInd Account Advantage
Existing IndusInd Bank account holders often receive pre-approved card offers with priority processing and instant approvals.
Documents Required for IndusInd Bank Credit Card Application
Keep these documents ready for a seamless IndusInd credit card application. All documents can be submitted digitally:
| Document Type |
Accepted Documents |
| Identity Proof (KYC) |
PAN Card (mandatory for all), Aadhaar Card, Passport, Voter ID, Driving Licence |
| Address Proof |
Aadhaar Card, Passport, Voter ID, Latest utility bill (last 3 months), Registered rent agreement |
| Income Proof – Salaried |
Latest 3 months' salary slips, Latest Form 16, Last 6 months' bank statement with salary credits |
| Income Proof – Self-employed |
Latest 2 years' ITR with income computation, Business proof (GST registration/trade licence), Last 6 months' bank statement |
| Photograph |
Recent passport-size photograph (digital through Aadhaar eKYC accepted for most applications) |
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For Premium Cards (Celesta / Pinnacle): Additional documentation may be required including net worth certificate, investment statements, or CA-certified financial statements. Please contact MyBankingTips at business@mybankingtips.com for personalised guidance on premium card applications.
IndusInd Bank Credit Card Features & Benefits
IndusInd credit cards stand out in India's competitive market with truly unique and premium features:
Reward Points on Every Spend
Earn 1–3.5 reward points per ₹100 spent. Points redeemable for flights, hotels, merchandise, and statement credit
Premium Lounge Access
Complimentary access to 1,200+ domestic and international airport lounges — unlimited on Celesta, Legend, and Pinnacle cards
EazyDiner 20% Dining Cashback
Get up to 20% cashback at 5,000+ restaurants across India with the EazyDiner IndusInd Card — India's best dining credit card
Nexxt Card — Choose Your Reward
India's only card with a physical button to choose between reward points, cashback, or instant EMI on every single transaction
Golf Privileges
Complimentary golf rounds at premier golf courses — up to 4 rounds/month on Pinnacle and Celesta cards for the true connoisseur
Zero Liability Fraud Cover
Complete protection on unauthorized transactions reported within 7 days. Instant card block via IndusMobile app or helpline
Additional IndusInd card benefits include: concierge services, buy 1 get 1 movie tickets, travel insurance (up to ₹1 Crore on premium cards), complimentary health & wellness memberships, fuel surcharge waivers, and exclusive metal card aesthetics on premium variants.
IndusInd Bank Credit Card Bill Payment Methods
Timely payment of your IndusInd credit card bill is the cornerstone of healthy credit management. Choose from these convenient payment options:
| Payment Method |
Platform |
Time to Reflect |
| IndusMobile App |
iOS / Android |
Instant |
| IndusInd Internet Banking |
indusind.com |
Instant |
| NEFT / IMPS / RTGS |
Any bank app |
Instant – 2 hours |
| Auto Pay / ECS Standing Instruction |
IndusInd or other bank |
Auto-deducted on due date |
| Google Pay / PhonePe / Paytm (UPI) |
UPI Apps |
Instant |
| IndusInd Bank ATM |
IndusInd ATMs |
Same day |
| Cheque at Branch / Drop Box |
IndusInd Bank Branch |
3–5 working days |
| BBPS (Bharat Bill Pay) |
Any BBPS-enabled app |
Instant – 2 hours |
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Recommended: Set up ECS auto-debit for the full outstanding amount via IndusMobile or indusind.com. This is the simplest way to ensure on-time payments, avoid ₹100–₹1,200 late fees, and maintain a perfect CIBIL payment history record.
How to Activate Your IndusInd Bank Credit Card
Activate your new IndusInd credit card before first use through any of these quick methods:
1
Via IndusMobile App
Download the IndusMobile app, log in with your registered mobile number, go to "Cards" → "Credit Cards" → Select your new card → "Activate Card" and verify with OTP.
2
Via IndusInd Internet Banking
Log in to indusind.com → Cards → Credit Cards → Select your new card → "Activate". Complete OTP verification on your registered mobile to activate instantly.
3
Via Customer Care IVR
Call IndusInd Bank helpline 1860-267-7777 and follow the IVR prompts for credit card activation. Identity verification via DOB and card details required.
4
First ATM PIN Transaction
Visit any IndusInd Bank ATM, generate your card PIN (sent separately by post or through the app), and complete any ATM transaction to activate the card automatically.
IndusInd Credit Card Login & Net Banking
Manage your IndusInd credit card account round the clock through these official platforms:
Through IndusInd's digital platforms you can: view real-time statements, pay bills, convert transactions to EMI, check and redeem reward points, raise disputes, block/unblock your card, update KYC, and manage all add-on cards — all from the IndusMobile app.
How to Track IndusInd Bank Credit Card Application Status
After applying, monitor your IndusInd credit card application status through these channels:
| Method |
How to Check |
| IndusInd Bank Website |
Visit indusind.com → Cards → "Track Credit Card Application" → Enter Application Reference Number + mobile number |
| IndusMobile App |
Open IndusMobile → Cards → "Track My Application" → View real-time processing status |
| Customer Care Call |
Call 1860-267-7777 with your Application Reference Number and date of birth ready |
| SMS |
SMS "TRACK <Ref No.>" to 5676782 from your registered mobile number |
| Email Updates |
Automatic status updates sent to your registered email at each stage of processing |
IndusInd Bank Credit Card Rewards Program
IndusInd Bank credit cards run a proprietary reward points programme with multiple acceleration tiers across spending categories:
| Card |
Base Earning Rate |
Accelerated Rate |
Points Validity |
| IndusInd Celesta |
3.5 pts/₹100 |
5X on weekend dining |
3 years |
| IndusInd Legend |
2 pts/₹100 |
4X on flights & hotels |
2 years |
| IndusInd Pinnacle |
2.5 pts/₹100 |
5X on international spends |
2 years |
| EazyDiner IndusInd |
2 pts/₹100 |
20% cashback via EazyDiner app |
2 years |
| IndusInd Nexxt |
1.5 pts/₹100 (Reward Mode) |
0.7% cashback (Cashback Mode) |
2 years |
| IndusInd Platinum RuPay |
1 pt/₹100 |
2X on fuel transactions |
2 years |
ℹ️
Reward Point Value: IndusInd reward points are worth approximately ₹0.25–₹0.50 per point for cash/statement credit redemptions. For travel bookings and partner brands, the value can reach ₹0.50–₹1 per point. Premium card holders (Celesta, Pinnacle) get enhanced redemption rates.
How to Redeem IndusInd Bank Credit Card Reward Points
IndusInd reward points can be redeemed through multiple channels for maximum value:
1
Via IndusMobile App / Net Banking
Log in to IndusMobile or indusind.com → Cards → Reward Points → Browse catalogue → Select flights, hotels, vouchers, or merchandise and redeem instantly.
2
Statement Credit Redemption
Redeem points against your outstanding credit card balance. Minimum 500 points; value of ₹0.25 per point. Credited to your next billing statement automatically.
3
Travel Redemption (Celesta / Legend)
For premium card holders, transfer points to partner airline frequent flyer programmes or book flights/hotels directly through the IndusInd travel portal for best value.
4
Partner Brand Vouchers
Redeem for gift vouchers across top brands — Amazon, Flipkart, Myntra, Croma, Tanishq, Club Mahindra, and more through the rewards catalogue.
IndusInd Bank Credit Card Balance Transfer
Move outstanding balances from high-interest credit cards to your IndusInd card and enjoy significant interest savings with the Balance Transfer on EMI facility:
| Feature |
Details |
| Minimum Transfer Amount |
₹5,000 |
| Maximum Transfer Amount |
Up to 80% of available IndusInd credit limit |
| Balance Transfer Interest Rate |
1.07% – 1.5% per month (promotional rate) |
| Repayment Tenure |
3, 6, 9, or 12 months |
| Processing Fee |
1% of transfer amount + GST (minimum ₹199) |
| Eligibility |
Active IndusInd credit card holder with clean repayment history |
| Processing Time |
3–5 working days via NEFT to the other bank |
To apply, log in to the IndusMobile app or indusind.com under "Cards" → "Balance Transfer", or call the IndusInd customer care helpline at 1860-267-7777.
When is Interest Charged on an IndusInd Credit Card?
Understanding when IndusInd credit card interest is charged helps you avoid the 42% annual finance charges:
✅ When Interest is NOT Charged
- ✓When you pay the full total outstanding balance before the due date
- ✓On retail purchases within the grace (interest-free) period
- ✓On EMI transactions — only the EMI interest rate applies separately
- ✓On cashback credits, fee reversals, and adjustment entries
❌ When Interest IS Charged
- ✗On any balance rolled over from the previous billing cycle
- ✗On cash advances — interest accrues from the exact withdrawal date
- ✗On the ENTIRE outstanding balance if even ₹1 is left unpaid
- ✗When you pay only the minimum due amount (partial payment)
⚠️
Alert: IndusInd Bank charges 3.5% per month (42% per annum) on revolving balances. This applies on the ENTIRE outstanding balance — not just the unpaid portion — from the statement date if even ₹1 remains unpaid on the due date. Always pay 100% of the total outstanding.
IndusInd Credit Card Interest-Free Period
The IndusInd Bank credit card grace period offers up to 48 days of zero-interest borrowing on retail purchases:
| Detail |
IndusInd Card Policy |
| Maximum Interest-Free Period |
Up to 48 days |
| Billing Cycle Duration |
30 days |
| Payment Due Date |
18 days after statement generation date |
| Condition for Zero Interest |
Full total outstanding (not just minimum due) paid by the due date |
| Applicable on |
Retail purchase transactions only — NOT on cash advances |
| Grace period lost if |
Any balance from previous statement period is carried forward unpaid |
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Smart Strategy: To maximize your interest-free window to 48 days, make significant purchases immediately after your statement generation date. Your billing cycle start date can be found on your IndusInd monthly statement or in the IndusMobile app.
IndusInd Bank Credit Card EMI Facility
Convert large purchases or your outstanding balance into affordable monthly instalments with IndusInd's EMI on Credit Card facility:
| Feature |
Details |
| Minimum Transaction for EMI |
₹2,500 |
| EMI Tenure Options |
3, 6, 9, 12, 18, or 24 months |
| EMI Interest Rate |
12% – 24% p.a. (varies by tenure and merchant) |
| No-Cost EMI |
Available at select partner merchants — Amazon, Flipkart, Croma, Samsung, Xiaomi |
| Nexxt Card EMI Mode |
Use the physical button on the Nexxt card to instantly convert any transaction to EMI at the point of sale |
| Foreclosure Charges |
3% on outstanding principal + GST |
To convert a transaction to EMI, open the IndusMobile app → Cards → Select transaction → "Convert to EMI", or call 1860-267-7777 within 30 days of the purchase. The unique Nexxt Card lets you choose EMI directly at the point of purchase using its physical button.
IndusInd Bank Credit Card Customer Care
IndusInd Bank is known for its premium, personalised customer service. Here are all the contact channels for credit card support:
| Channel |
Contact Details |
Availability |
| Toll-Free Helpline |
1860-267-7777 |
24×7 |
| Premium Card Helpline (Celesta/Legend) |
Dedicated number on card |
24×7 Priority |
| IndusMobile App Chatbot |
Indus Assist — In-app AI assistant |
24×7 |
| Email Support |
customercare@indusind.com |
Response within 48 hours |
| Twitter / X |
@IndusIndBank |
Mon–Sat 9AM–6PM |
| Branch Visit |
Nearest IndusInd Bank Branch |
Branch banking hours |
| MyBankingTips Expert |
business@mybankingtips.com |
Reply within 48 hours |
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Emergency Card Block: SMS "BLOCK <last 4 digits>" to 5676782, or call 1860-267-7777 immediately if your IndusInd card is lost or stolen. Your card is blocked within seconds and a replacement is dispatched within 3–5 working days.
Quick Links to Manage Your IndusInd Bank Credit Card
Frequently Asked Questions About IndusInd Bank Credit Cards
Which is the best IndusInd Bank credit card in 2026?
For dining & lifestyle: EazyDiner IndusInd Card (20% cashback at 5,000+ restaurants). For travel & lounge: IndusInd Legend (unlimited lounge access). For premium with golf: IndusInd Pinnacle. For ultra-premium: IndusInd Celesta Metal. For flexible rewards: IndusInd Nexxt Card. For beginners: IndusInd Platinum Visa.
How does the IndusInd Nexxt Credit Card work?
The IndusInd Nexxt Card is India's first credit card with three physical buttons — one for Reward Points mode, one for Cashback mode, and one for EMI mode. Before every transaction, you press the button corresponding to how you want to be rewarded for that specific spend. This flexibility makes it highly versatile for people with varied spending patterns.
What is the minimum salary for an IndusInd credit card?
For entry-level IndusInd cards (Platinum Visa, RuPay), the minimum monthly salary is ₹25,000. For the EazyDiner and Nexxt cards, ₹35,000–₹50,000/month is recommended. For Legend and Pinnacle, ₹75,000–₹1 lakh/month. The Celesta Metal Card is typically by invitation for HNIs and Ultra-HNIs.
How does the EazyDiner IndusInd Bank card work?
The EazyDiner IndusInd Credit Card gives you up to 20% cashback (in the form of EazyPoints) when you pay via the EazyDiner app at 5,000+ partner restaurants across India. EazyPoints are redeemable for future restaurant bills on the EazyDiner platform. You also earn 2 IndusInd reward points per ₹100 on all other spends and get complimentary lounge access 4 times per quarter.
How do I check my IndusInd credit card outstanding balance?
Check your IndusInd credit card balance via: (1) IndusMobile app → Cards section, (2) IndusInd Internet Banking → Cards, (3) Monthly e-statement sent to your registered email, (4) SMS "BAL" to 5676782 from your registered mobile, or (5) Call 1860-267-7777 for IVR balance enquiry.
Can I increase my IndusInd credit card limit?
Yes. Request a credit limit increase through: (1) IndusMobile app → Cards → "Credit Limit Enhancement", (2) IndusInd Net Banking → Cards section, or (3) Calling 1860-267-7777. Submit updated income documents for better success. Best to request after 12+ months of responsible card usage with zero late payments. IndusInd also auto-upgrades limits based on consistent spend patterns.
Does IndusInd Bank offer RuPay credit cards for UPI payments?
Yes! The IndusInd Bank Platinum RuPay Credit Card can be linked to UPI apps including Google Pay, PhonePe, and BHIM. You can make UPI payments at any QR code or UPI merchant using your credit card and earn reward points on those transactions too — a major advantage over debit card UPI payments.
How do IndusInd credit card reward points expire?
IndusInd Bank reward points typically have a validity of 2 years from the date of accrual (3 years for premium cards like Celesta). Points expire on a rolling basis — the oldest points expire first. You can check your points balance and expiry dates via the IndusMobile app or at indusind.com. Always redeem older points before they expire.
Best Indusind Credit Cards for Travel
InterMiles IndusInd Voyage Credit Card
Joining Fee: ₹2000
✈ Travel
- Get 5% discount on flight bookings via Jet Airways platforms
- Enjoy airport lounge access via Priority Pass and Travel Plus program
IndusInd Bank Avios Visa Infinite Credit Card
Joining Fee: ₹10000
✈ Travel 💺 Airport Lounge Access
- Earn 6 Avios for every Rs. 200 spent at select preferred international destinations for PoS transactions
- Earn 5 Avios for every Rs. 200 spent on Qatar Airways and British Airways website and app
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What Our Customers Say
★★★★★
"The EazyDiner IndusInd Card I applied for through MyBankingTips has been a revelation. 20% off at my favourite restaurants every time. My dining bills have dropped by ₹4,000 a month on average!"
A
Aditya Kapoor
Food Blogger, Mumbai
★★★★★
"The IndusInd Legend card is hands-down the best travel card I've owned. Unlimited lounge access everywhere, generous reward points on flights, and a dedicated relationship manager. Truly premium!"
P
Priya Malhotra
Marketing Director, Bangalore
★★★★★
"I was sceptical about the Nexxt Card's button concept but it's genuinely brilliant. I choose cashback on groceries, points on travel, and EMI on big electronics. Never had so much control over a card!"
R
Rajan Tiwari
Tech Entrepreneur, Pune
⚠️ Disclaimer
MyBankingTips is a loan aggregator and is authorized to provide services on behalf of its partners. *Applicable for selected customers. IndusInd Bank credit card features, fees, interest rates, and reward programmes mentioned on this page are indicative and subject to change at IndusInd Bank's discretion. All credit card applications and approvals are subject to IndusInd Bank's underwriting criteria and the applicant's creditworthiness. MyBankingTips does not guarantee approval of any application. Please read the Most Important Terms & Conditions (MITC) document carefully before applying. This content is for educational and informational purposes only and does not constitute financial advice.