IndusInd Bank Credit Card – Features, Eligibility & Apply Online
IndusInd Bank offers a variety of credit cards that offer benefits across multiple categories. IndusInd Bank Credit Cards reward you with cashback, discounts, reward points and several other benefits on your purchases. You can earn benefits on categories, like shopping, travel, entertainment, dining and more via these credit cards. Some of the popular cards offered by the bank include IndusInd Platinum Aura Edge, IndusInd Legend and IndusInd Platinum, among others, which you can compare and apply for through our platform. Read on to know about the detailed features and benefits of IndusInd Credit Cards to find the right option that suits your requirements.
Top IndusInd Bank Credit Cards
IndusInd Bank offers premium as well as entry-level credit cards. These cards let you save on multiple categories, such as shopping, travel, rewards and more. However, before applying for a credit card you should always analyse your spending preferences and needs to ensure that you make the most out of the respective card benefits. Some of the most popular IndusInd Bank Credit Cards are mentioned below:
| Credit Cards | Joining Fee | Annual Fee | Best Suited For |
|---|---|---|---|
| IndusInd Platinum Credit Card | Rs. 3,000 | Nil | Rewards |
| IndusInd Bank Tiger Credit Card | Nil | Nil | Travel, Rewards, Low Forex Mark-up |
| Intermiles Voyage Visa Credit Card | Rs. 2,000 | Rs. 2,000 | Travel |
| Club Vistara IndusInd Bank Explorer Credit Card | Rs. 40,000 | Rs. 10,000 | Travel, Zero Forex Mark-up |
| IndusInd Bank Pioneer Heritage Metal Credit Card | Rs. 90,000 | Rs. 25,000 | Travel, Lifestyle |
| IndusInd Bank Indulge Credit Card | Rs. 2 lakh | Nil | Movies |
Some of the common fees and charges applicable to all IndusInd Bank Credit Cards are mentioned in the table below:
| Fees & Charges | Amount Details |
| Joining/Annual Fee | Varies from one card variant to another |
| Finance Charges | Up to 3.95% p.m. (47.40% p.a.) |
| Late Payment Fee | For Outstanding Balance of – Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 350 Rs. 1,001 to Rs. 10,000: Rs. 550 Rs. 10,001 to Rs. 25,000: Rs. 800 Rs. 25,001 to Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300 |
Please refer to other fees and charges and the related terms and conditions for IndusInd bank credit card variants separately. Click here for detailed MITC.
The eligibility criteria for IndusInd credit cards vary from card to card. However, the basic eligibility criteria to apply for any of the credit cards offered by IndusInd Bank, along with the required documentation, are mentioned below:
- Age: Between 18 years and 75 years
- Occupation: Salaried or self-employed
- Salary Requirements: Minimum net monthly income of Rs. 20,000
- Documents Required: Click here for the list of acceptable documents required for online IndusInd bank credit card application
Q. Can I apply for an add-on credit card with my primary IndusInd Bank Credit Card?
A. Yes, IndusInd bank offers the facility of add-on cards with most of the credit cards. The add-on cardholders will mostly have the same benefits and privileges as that of a primary credit card. Additionally, most of the add-on cards are provided without any annual fees.
Q. What are the modes of IndusInd Bank Credit Card bill payment?
A. You can pay your IndusInd Credit Card bills via both online and offline modes. To make IndusInd Bank Credit Card payment online, you can use facilities like NEFT, internet banking, mobile banking, set an auto-debit payment mode and NACH. For offline mode, you can visit any of the nearest branches of the bank and pay via cheque or draft.
Q. Can I check the outstanding balance on my IndusInd Bank Credit Card?
A. Yes, you can check the outstanding balance available on your credit card. To do so, you can log into the internet banking portal (IndusNet) or mobile app (IndusMobile) of IndusInd Bank and check your outstanding balance by entering your credit card details. Additionally, you may be given the option to check your outstanding balance through SMS or e-mail.
Q. Where can I find the latest offers on IndusInd Bank Credit Cards?
A. The bank offers discount, cashback and EMI offers to the cardholders across multiple categories, such as shopping, travel, dining, etc. These may vary from card to card, and may change frequently. Click here to find the latest offers or visit the official bank website for the same.
Q. What is the billing cycle of the IndusInd Credit Card?
A. The billing cycle of a credit card may range from 20 to 40 days. A credit card statement is issued at the end of every billing cycle and e-mailed to your registered ID or sent to your communication address (in case you have opted for a physical statement). To avoid additional charges, you must make your IndusInd Bank Credit Card payment before the due date.
Q. How can I apply for IndusInd Bank Credit Card?
A. You can apply for a credit card online by visiting the official website of the bank or through our platform by following the steps mentioned above. Besides this, you can also apply offline by calling the 24 hour IndusInd bank helpline number 1860 267 7777. All you need to do is submit a duly-filled application form along with the relevant documents.
Q. How can I activate IndusInd Bank Credit Card?
A. To activate your IndusInd bank credit card online, you can use the net banking (IndusNet) or mobile banking facility called IndusMobile. You need to log in to the net banking portal or mobile app and click on the ‘Generate Credit Card PIN’ under the ‘Credit Card’ section. You can also contact customer care of the bank and follow the instructions given by the IVR to activate your card.
Q. How can I track the application status of my IndusInd Credit Card?
A. You can track your application status by visiting the official website of the bank. You need to enter your application number to check the current status of your card. Besides this, you can also contact the bank’s customer care on the helpline number 18602677777 and ask the representative about your IndusInd bank credit card application status. An SMS is generally sent to your registered mobile number once your application is processed. You can also visit any of the nearest branches of the bank and contact an executive for the same.
Q. How to redeem IndusInd Bank Credit Card reward points?
A. To redeem your IndusInd Credit Card reward points, you can log in to the rewards portal of the bank. After logging in, you are required to select the desired category for reward points redemption. You can redeem your IndusInd Credit Card reward points against cash credit, InterMiles, products from the rewards catalogue, flight & hotel bookings and much more.