IndusInd Bank Duo Credit Card

The IndusInd Bank Duo Card is the first-of-its-kind debit-cum-credit card in India. It has two EMV chips, giving users the flexibility to use it as either a debit or credit card. What's more, you earn reward points for every transaction made with this card. Read more to know all about its features and benefits below.

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Key Highlights of IndusInd Bank Duo Credit Card
IndusInd Bank Duo Credit Card
Card Type Entry-level
Best Suited For Rewards
Joining Fee Rs. 249
Renewal Fee Nil
Welcome Benefits Up to 100 reward points on the first transaction*
Best Features 1 reward point for every Rs. 150 spent

*Terms and conditions apply.

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Table of Contents
Features and Benefits
Fees and Charges
Eligibility and Documentation
Should you apply for this card?
Other Similar Credit Cards
How to Apply?
FAQs

The IndusInd Bank Duo Credit Card allows you to earn reward points on various categories, including travel, lifestyle, and shopping and more. Check out some of its main features and benefits:

Entertainment Benefits

With the IndusInd Bank Duo Credit Card, you can enjoy complimentary movie tickets worth Rs. 3,000 annually. Additionally, you get a Buy 1 Get 1 free movie ticket offer when you book through BookMyShow. This benefit can be availed once a month,i.e. up to 12 times in a year, and the price of the free ticket is capped at Rs. 250.

Also read: Best Credit Cards Airport Lounge Access

Insurance Benefits

The IndusInd Bank Duo Credit Card provides insurance benefits worth Rs. 25 lakh. Here are the insurance benefits offered by this credit card:

Benefit Amount
Personal accident cover Rs. 2 lakh
Purchase protection Rs. 50,000
Lost baggage Rs. 1 lakh
Lost ticket Rs. 25,000
Missed connection Rs. 25,000
Delayed baggage Rs. 25,000
Lost card liability Rs. 3 lakh
Air accident insurance Rs. 25 lakh
Loss of passport Rs. 50,000

Also read: Best Travel Credit Cards in India

Reward Points on Every Transaction

The Duo Card allows you to earn reward points not only on credit card transactions but also on debit card transactions. You will earn 1 reward point for every Rs. 150 spent. Additionally, on your first transaction you can also earn extra reward points as mentioned below:

Activation* Reward Points
ATM transaction at IndusInd Bank ATM 100
ATM transaction at other bank ATM 50
1st shopping transaction (domestic/ international) using the debit card 100
1st e-commerce transaction (domestic/ international) using the debit card 50
Mobile banking transaction 100
Transaction on internet banking 100

You can enjoy all the activation benefits within the first 60 days after receiving your card or opening your account.

Also read: Best Rewards Credit Cards in India

Credit Card Offer

Other Benefits

In addition to the benefits mentioned earlier, the Duo Credit Card provides additional perks such as a fuel surcharge waiver, a low forex mark-up fee, and more. Here are the details:

  • 2% cross currency mark-up fee
  • 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 4,000
  • 24×7 concierge service for pre-trip assistance, hotel reservation, flight booking, exclusive booking and more
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Here are some common fees and charges that apply to IndusInd Bank Duo Credit Card:

Type of Fee or Charge Amount
Joining Fee Rs. 249
Annual/ Renewal Fee Nil
Finance Charges 3.83% p.m. (46% p.a.)
Late Payment Charges For Statement Balance
  • Up to Rs. 100: Nil
  • Between Rs. 101 to Rs. 501: Rs. 100
  • Between Rs. 501 to Rs. 1,000: Rs. 350
  • Between Rs. 1,001 to Rs. 10,000: Rs. 550
  • Between Rs. 10,001 to Rs. 25,000: Rs. 800
  • Between Rs. 25,001 to Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300

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To apply for this credit card, the applicant must meet the following eligibility criteria:

Criteria Details
Occupation Salaried or Self-employed
Age 18-65 years
Citizenship Indian
Documents Required Click here for the list of acceptable documents
Serviceable Cities Click here for the list of eligible cities

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The IndusInd Bank Duo Credit Card is ideal for those who want a card serving both as a credit and debit card. However, users need to be careful to avoid errors when using it at ATMs or POS systems. Despite this, the card offers rewards on purchases, entertainment perks, insurance coverage, fuel surcharge waivers, and more.

Overall, with reasonable joining and annual fees, it's a decent option providing the benefits of two cards simultaneously. It's a good choice for those seeking a basic credit card with standard features. However, if you're looking for a card with specific category benefits, it might not be the top choice.

If you're interested in credit cards with benefits similar to the IndusInd Bank Duo Card, take a look at the comparison table below:

Credit Card Annual Fee Key Features
SBI SimplyCLICK Credit Card Rs. 499 10X reward points on online spends with partners
Slice Super Credit Card Nil 2% cashback on every transaction
Axis Ace Credit Card Rs. 499 5% cashback on bill payment, DTH and mobile recharge*
HDFC MoneyBack Credit Card Rs. 500 4 points on every Rs. 150 spent online
IndusInd Bank Duo Credit Card Nil 1 reward point for every Rs. 150 spent

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You have the option to compare and apply for IndusInd Credit Cards conveniently online through MybankingTips. Here are the steps to do so:

  • Visit MybankingTips IndusInd Credit Card Section.
  • Select Your Ideal Credit Card.
  • Click on the ‘ Apply Now’ tab.
  • Fill in the required details to find out if you are eligible to apply for the card.
  • Once you have entered all the necessary information, click on ‘Submit’.
  • After you have successfully provided all the required information, you will receive a message with your application ID.

1. What is the interest-free credit period offered on this credit card?

The IndusInd Bank Duo Card provides an interest-free period of up to 50 days. It's important to note that this interest-free period is applicable only if the total outstanding amount is paid in full and not carried over.

2. What is the interest-free credit period offered on this credit card?

You can enjoy an interest-free period of up to 50 days with the IndusInd Bank Duo Card. It's important to remember that this interest-free period applies only when the entire outstanding amount is paid in full; otherwise, interest charges may be incurred.

3. Can I withdraw cash using IndusInd Bank Duo Credit Card?

Yes, you have the option to withdraw cash using your IndusInd Bank Duo Credit Card. However, it's essential to be aware that the bank imposes a cash advance fee, typically amounting to 2.5% of the withdrawn sum. Therefore, it is advisable not to withdraw cash using a credit card.

4. What is the over limit charge for IndusInd Bank Duo Credit Card?

The over-limit charges for all IndusInd Bank credit cards amount to 2.5% of the over-limit amount. However, there is a minimum over-limit charge set at Rs. 500.

5. How can I apply for IndusInd Bank Duo Credit Card?

You have two options to apply for this credit card: online and offline. To apply online, go to the official IndusInd Bank website and fill out the application form. If you prefer applying offline, visit the nearest branch of IndusInd Bank.

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