IndusInd Bank Indulge Credit Card
IndusInd Bank IndusInd Bank

IndusInd Bank Indulge Credit Card

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/assest/image/icons/rewards.svg Reward Points
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MyBankingTips Rating

Joining Fee: ₹75000* Plus Applicable Taxes

Renewal Fee: ₹10000*Plus Applicable Taxes

Entertainment Entertainment
Reward Points Reward Points
Travel Travel
MyBankingTips Rating

Joining Fee: ₹75000* + Tax

Renewal Fee: ₹10000* + Tax

Welcome benefits:- N/A

Check your eligibility For This Card

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IndusInd Bank Indulge Credit Card

The IndusInd Bank Indulge Credit Card is a premium card with a 22K gold inlay and no pre-set spending limit, designed for people who spend a lot. It offers benefits in dining, travel, lifestyle, and entertainment, making it a well-rounded choice.

The card gives 1.5% rewards, which is lower than some other premium cards like HDFC Diners Club Black (3.33%) or ICICI Emeralde Private (3%), but points can be redeemed 1:1 for cashback, making it simple to use.

For travel, it offers a low 1.8% forex fee and 16 free international lounge visits per year. Other premium cards may offer unlimited lounges, so frequent travelers may find those better.

The card shines in lifestyle perks, including unlimited golf games and lessons, free movie tickets, and dining discounts.

Overall, the Indulge Credit Card is good for high spenders who want premium lifestyle benefits and easy rewards redemption, even if the reward rate is lower than some other cards.

IndusInd Bank Indulge Credit Card Rewards Program

Reward Earning

  • 5 reward points for every ₹100 spent on all categories.
  • 0.7 reward points for every ₹100 spent on utilities, insurance, government payments, and education expenses.

Reward Redemption

  • Redeem points for cash credit at 1 RP = ₹1.
  • Convert points to KrisFlyer Miles: 200 Reward Points = 100 Miles.
  • Redeem points for gift vouchers or products from the rewards catalog.

Other Features and Benefits

Travel Benefits

  • Low forex markup fee of 1.8% on international transactions.
  • 4 complimentary international lounge visits per quarter via Priority Pass.

Golf Benefits

  • Unlimited golf games and lessons at regular golf clubs.
  • 4 complimentary golf games per month at premium golf clubs.

Entertainment Benefits

  • Buy 1 Get 1 offer on BookMyShow tickets, up to ₹700 per ticket, three times a month.
  • Extra ₹50 off on BookMyShow when selecting F&B.
  • Exclusive offers at select theatres, events, and more.

Dining Benefits

  • ₹3,000 off on dining bills at 100+ partner restaurants, twice a year via EazyDiner.

Fuel Benefits

  • 1% fuel surcharge waiver at all petrol pumps.

Annual Fee Waiver

  • Annual fee waived on spending ₹10 lakh or more in a year.

Other Benefits

  • 24×7 concierge services.
  • Personal Air Accident Insurance up to ₹25 lakh.

Additional Benefits for VISA Variant

  • Buy 1 Get 1 on movie tickets (up to ₹300 per transaction).
  • 20% off on non-movie tickets (up to ₹700 per transaction).
  • 25% off on airport fast-track immigration at 450+ destinations worldwide.
  • 20% off on airport limo transfers.

Fees and Charges

Fee TypeAmount
Joining FeeRs. 75,000 + Applicable Taxes
Annual FeeRs. 10,000 + Applicable Taxes
Finance Charges1.79% p.m. | 21.48% p.a.
Late Payment Fee
For Statement Balance: 
Up to Rs. 100Nil
Between Rs. 101 and Rs. 500Rs. 100
Between Rs. 501 and Rs. 1,000Rs. 350
Between Rs. 1,001 and Rs. 10,000Rs. 550
Between Rs. 10,001 and Rs. 25,000Rs. 800
Between Rs. 25,001 and Rs. 50,000Rs. 1,100
Above Rs. 50,000Rs. 1,300

Things to Know Before you apply

Get this card if:

  • You want a premium credit card with luxury lifestyle benefits like unlimited golf games.
  • You are okay with a high joining fee of ₹75,000.
  • You prefer redeeming reward points for cashback to get the most value.
  • You want a card with no pre-set spending limit.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For IndusInd Bank Indulge Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

IndusInd Bank Indulge Credit Card Hilights

What do we like about this card?

  • 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.

Pros

  • No pre-set spending limit – spend freely without a fixed limit.
  • Low forex markup fee of 1.8% for international transactions.
  • Reward points redeemable for cashback at a 1:1 ratio.
  • Unlimited complimentary golf games and lessons.
  • Buy 1 Get 1 offer on BookMyShow tickets.
  • Dining discounts up to ₹6,000 per year via EazyDiner.

Cons

  • High joining fee of ₹75,000.
  • Low reward earning rate of 1.5% on all spends.

IndusInd Bank Credit Card Contact Details

  • Contact Address: IndusInd Bank Ltd. 701, Solitaire Corporate Park, 167 Guru Hargovindji Marg, Andheri East, Mumbai – 400093, Maharashtra, India
  • Helpline: 1860 267 7777 (accessible from most Indian cities)
  • Simply SMS: SMS Indulge to 5676757 for details or callback requests
     

Frequently Asked Questions

Everything you need to know about this credit card

A1: You must be at least 21 years old. Salaried individuals should have an annual income of ₹36 Lakh or more, and self-employed applicants need an annual income of ₹42 Lakh or more.

A2: You can apply online on the official IndusInd Bank website by filling out the application form, or you can apply offline by visiting your nearest IndusInd Bank branch.

A3: The card has no pre-set spending limit, so you can spend freely. Each transaction is approved based on your eligibility and the bank’s internal rules.

A4: Yes, you get 16 complimentary international lounge visits per year, with a maximum of four visits per quarter, through Priority Pass.

A5: Yes, the card offers a Buy 1 Get 1 offer on BookMyShow tickets up to three times a month. You can save up to ₹700 on the second ticket and get an extra ₹50 discount on F&B options.

A6: Reward points can be redeemed for cashback at 1:1 ratio, converted to KrisFlyer Miles, or used for gift vouchers and products from the rewards catalog.

A7: It offers a low forex markup fee of 1.8% on international transactions, plus lounge access as mentioned earlier. VISA card variants also provide fast-track immigration and airport limo discounts.

A8: The card includes unlimited golf games and lessons, four premium golf games per month, dining discounts up to ₹6,000 per year, and a 1% fuel surcharge waiver across petrol pumps.

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