Induslnd Bank Credit Card
2–3 minutes
IndusInd Bank Credit Cards – Features, Eligibility, and How to Apply
IndusInd Bank offers a diverse portfolio of credit cards designed to meet various lifestyle and financial needs. Whether you’re looking for cashback, travel benefits, or reward points, IndusInd Bank provides a wide selection of cards suited for shopping, entertainment, dining, and more.
Why Choose IndusInd Bank Credit Cards?
IndusInd Bank credit cards offer compelling benefits across multiple spending categories:
- Shopping and lifestyle rewards
- Cashback on daily and premium purchases
- Travel perks and complimentary lounge access
- Dining discounts and entertainment benefits
- Flexible redemption options and low annual fees
These cards are designed to reward your spending and offer additional value through exclusive privileges and partner offers.
Popular IndusInd Bank Credit Cards
Here are some of the most preferred credit cards issued by IndusInd Bank:
| Credit Card | Annual Fee | Key Features |
|---|---|---|
| IndusInd Platinum Aura Edge | Varies (₹0–₹899) | Customizable reward plans based on your spending pattern |
| IndusInd Legend Credit Card | ₹3,000 | Premium lifestyle card with travel, golf, and movie privileges |
| IndusInd Platinum Credit Card | Lifetime Free | Rewards on daily spends and fuel surcharge waiver |
Other IndusInd Bank Credit Cards
In addition to the cards mentioned above, IndusInd Bank offers several other options tailored to specific needs and usage preferences:
| Credit Card | Annual Fee | Key Feature |
|---|---|---|
| Club Vistara IndusInd Bank Explorer Card | ₹10,000 | 8 Club Vistara points per ₹200 spent on the Vistara website or app |
| Intermiles Voyage Visa Credit Card | ₹2,000 | 6 InterMiles per ₹100 on weekend bookings via the InterMiles platform |
| IndusInd Bank Duo Credit Card | Nil | Earn 1 reward point for every ₹150 spent |
Fees and Charges
Fees and charges may vary depending on the card variant. Below are common applicable charges:
- Joining/Annual Fee: Depends on the card type
- Finance Charges: Up to 3.95% per month (47.40% per annum)
- Late Payment Fee:
| Outstanding Amount | Late Payment Fee |
|---|---|
| Up to ₹100 | Nil |
| ₹101 to ₹500 | ₹100 |
| ₹501 to ₹1,000 | ₹350 |
| ₹1,001 to ₹10,000 | ₹550 |
| ₹10,001 to ₹25,000 | ₹800 |
| ₹25,001 to ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
Eligibility Criteria
Eligibility varies by card, but the basic requirements are:
- Age: 21 to 65 years
- Employment: Salaried or self-employed individuals
- Credit Score: Subject to internal bank assessment
Documents Required
- Proof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, etc.
- Proof of Address: Utility bill (not older than 3 months), Aadhaar, Passport, etc.
- Proof of Income: Latest salary slips, Form 16, or last 3 months’ bank statements
Cities Where IndusInd Bank Credit Cards Are Available
You can apply for an IndusInd Bank Credit Card if you reside in cities such as:
Ahmedabad, Bangalore, Bhopal, Chandigarh, Chennai, Delhi, Hyderabad, Indore, Jaipur, Kolkata, Lucknow, Mumbai, Pune, Surat, Varanasi, and many more. The bank serves over 90 cities across India.
How to Apply for an IndusInd Bank Credit Card Online
Follow these simple steps to apply online:
- Enter Your Mobile Number
Begin the application by submitting your mobile number. - Verify OTP and Check Offers
Enter the OTP to view pre-approved and personalized offers. - Select Your Preferred Credit Card
Compare available cards and choose the one that suits your lifestyle and spending pattern. - Apply and Submit Documents
Complete the online form and upload your documents for processing.
By comparing benefits, fees, and eligibility, you can select the best IndusInd Bank credit card for your financial needs.
