IndusInd Bank Duo Credit Card
IndusInd Bank IndusInd Bank

IndusInd Bank Duo Credit Card

/assest/image/icons/entertainment.svg Entertainment
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
MyBankingTips Rating

Joining Fee: ₹249* Plus Applicable Taxes

Renewal Fee: ₹0*Plus Applicable Taxes

Entertainment Entertainment
Fuel Fuel
Reward Points Reward Points
MyBankingTips Rating

Joining Fee: ₹249* + Tax

Renewal Fee: ₹0* + Tax

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 Duo Credit Card

IndusInd Bank Duo Card is India’s first debit-cum-credit card, featuring two EMV chips that let you use it either as a debit or a credit card. You can earn reward points on every transaction, making it a versatile option for everyday spending.

IndusInd Bank Duo Credit Card Rewards Program

Reward Points on Every Transaction:

  • Earn 1 reward point for every Rs. 150 spent on both credit and debit transactions.

Activation Reward Points (within 60 days of card issuance/account opening):

  • 100 points for 1st shopping transaction (domestic/international) using the debit card
  • 50 points for 1st e-commerce transaction (domestic/international) using the debit card
  • 100 points for transactions via Internet Banking
  • 100 points for transactions via Mobile Banking
  • 100 points for ATM transactions at IndusInd Bank ATMs
  • 50 points for ATM transactions at other bank ATMs

Other Features and Benefits

Entertainment Benefits:

  • Earn free movie tickets worth Rs. 3,000 per year.
  • Buy 1 Get 1 free movie ticket via BookMyShow (once per month, max Rs. 250 per free ticket).

Insurance Benefits (Total coverage: Rs. 25 lakh):

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

Other Benefits:

  • 1% fuel surcharge waiver (up to Rs. 250 per month on transactions between Rs. 500–3,000)
  • 2% cross-currency mark-up fee
  • 24×7 concierge service for pre-trip assistance, hotel reservations, flight bookings, and exclusive bookings

Fees and Charges

Type of Fee or ChargeAmount
Joining FeeNil
Annual/ Renewal FeeNil
Finance Charges3.83% p.m. | 46% p.a.
Late Payment Charges

For Statement Balance:

  • Up to Rs. 100: Nil
  • Between Rs. 101 and Rs. 501: Rs. 100
  • Between Rs. 501 and 1,000: Rs. 350
  • Between Rs. 1,001 and 10,000: Rs. 550
  • Between Rs. 10,001 and Rs. 25,000: Rs. 800
  • Between Rs. 25,001 and Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300

Things to Know Before you apply

Get this card if:

  • You want a card that works as both a credit and a debit card.
  • You want to earn reward points on every purchase.
  • You want added benefits like entertainment, insurance cover, and fuel surcharge waiver.
  • You are looking for a basic card with reasonable joining and annual fees.

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 Duo 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 Duo Credit Card Hilights

What do we like about this card?

  • 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.

Pros

  • Works as both a credit and debit card, offering dual functionality.
  • Earn reward points on every transaction, including first-time activations.
  • Offers entertainment benefits like free movie tickets and BookMyShow offers.

Cons

  • Risk of confusion while swiping as debit or credit at ATMs or POS.
  • Not ideal for users looking for category-specific reward benefits.

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

It is India’s first debit-cum-credit card, which allows you to use it as a debit or credit card, earning reward points on both types of transactions.

You earn 1 reward point for every Rs. 150 spent. Bonus points are awarded on first transactions via debit, internet banking, or mobile banking.

You can get free movie tickets worth Rs. 3,000 annually and avail Buy 1 Get 1 free tickets via BookMyShow (max 12 times/year, capped at Rs. 250 per ticket).

The card offers lost card liability (Rs. 3 lakh), air accident insurance (Rs. 25 lakh), personal accident cover (Rs. 2 lakh), purchase protection (Rs. 50,000), lost baggage cover, delayed baggage cover, and more.

Yes, 1% fuel surcharge waiver up to Rs. 250/month on transactions between Rs. 500–3,000, and a low cross-currency mark-up fee of 2%.

Yes, the card offers 24×7 concierge services for pre-trip assistance, hotel reservations, flight bookings, and exclusive bookings.

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