IndusInd Bank Indulge Credit Card

  • Joining Fee: Rs. 2,00,000 (no annual fee applicable) or Rs. 1,00,000 (Rs. 10,000 annual fee applicable in this case)
  • Renewal Fee: Rs. 10,000 (if Rs. 1,00,000 paid as joining fee) or Nil (if Rs. 2,00,000 paid as joining fee)
  • Best Suited For: Travel | Dining | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: N/A
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The IndusInd Bank Indulge Credit Card is one of the top-end offerings by the IndusInd Bank. It is a Visa credit card targeted at HNIs (high net-worth individuals). With an inlay of pure 22K gold and a glossy reflective finish, the card feels really premium to hold. While aesthetics is certainly a distinguishing feature of the card, the card also offers real value for money with privileges including a complimentary Priority Pass membership (with unlimited complimentary lounge visits), 24×7 concierge service, air accident cover (worth Rs. 2.5 crores), and many other premium benefits. Another unique feature of this card is that it has no pre-set credit limit, as the base limit on the revolving credit is quite flexible. You can also save a lot on your international transactions as it comes with a low foreign currency markup fee of 1.8%. In this post, we have discussed in detail all the features, benefits, and rewards that you get with the IndusInd Bank Indulge credit card. Read on to learn more about this premium offering by the IndusInd bank.

New Features

Spend Based Waiver

Annual fee waived on expenditure of more than Rs. 20,00,000 in the preceding year

Interest Rates

1.79% per month (or 21.48% annually)

Add-on Card Fee


Rewards Redemption Fee

Rs. 100

Fuel Surcharge

1% fuel surcharge is waived for transactions between Rs. 400 and Rs, 4,000.

Foreign Currency Markup

1.8% + GST

Cash Advance Charges

2.5% (subject to a minimum amount of Rs. 300)

Movie & Dining

Buy One Get One ticket offer on BookMyShow (max transaction capped at Rs. 700 and max 3 free tickets/month)


Reward Points redeemable against AirMiles, complimentary Priority Pass membership with 2 complimentary international lounge access per quarter, 6 complimentary domestic lounge access per quarter under the Visa Lounge program

International Lounge Access

Unlimited complimentary international lounge access using Priority Pass

Rewards Rate

1.5 Reward Points for every Rs. 100 spent using the card


Unlimited complimentary golf games/lessons at some of the premium golf destinations in the country

Insurance Benefits

Personal air-accident insurance worth Rs. 2.5 crores

Reward Redemption

Reward Points redeemable against AirMiles, Cash Credit or IndusMoments

Domestic Lounge Access

6 complimentary domestic lounge access per quarter under the Visa Lounge program

Zero Liability Protection

Zero liability protection from 48 hours prior to the time of reporting the loss of card


No data available


No data available

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