IndusInd Bank
IndusInd Indulge Credit Card
This is an invite only card
This is an invite only card
This is an invite only card
Top Benefits
Enjoy 6 Complimentary Domestic Lounge Visits
Every Quarter, unlocked by ₹5,00,000 of spends in the previous quarter, You also get a complimentary Priority Pass with 4 international lounge visits every quarter
Get ₹3,000 Off Your Restaurant Bill Twice a Year
Pay online through EazyDiner at 100+ partner restaurants, once every six months
Best For
Shopping
Dining
Travel
The IndusInd Indulge Credit Card is a super-premium Visa Infinite card built around experiences rather th...
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The IndusInd Indulge Credit Card is a super-premium Visa Infinite card built around experiences rather th...
The IndusInd Indulge Credit Card is a super-premium Visa Infinite card built around experiences rather than cashback. Its standout feature is golf: 4 complimentary games and 4 complimentary golf lessons every month. Add a Priority Pass with 4 international lounge visits per quarter, Buy 1 Get 1 movie tickets on BookMyShow, ₹3,000 dining discounts through EazyDiner and a low 1.80% forex markup, and you have a card designed for high-income professionals who travel, golf and entertain often.
It is also one of the most expensive cards to get into. The joining fee is ₹75,000, followed by a ₹10,000 annual fee. The income bar is ₹36 lakh a year for salaried applicants and ₹42 lakh for the self-employed. This card makes sense only if you will actually use the golf, travel and lifestyle benefits month after month.
View FAQ
Commonly Asked Questions
Who is the IndusInd Indulge Credit Card for?
High earners who golf regularly, travel internationally and use premium lifestyle perks. Casual users will not recover the ₹75,000 joining fee.
Which network does this card use?
It is issued on Visa Infinite, which adds airport services and protection benefits on top of IndusInd's own perks.
What is the biggest benefit of this card?
Golf. You get 4 free games and 4 free lessons every month, which is 96 golf sessions a year.
Expert Review
I think the IndusInd Indulge Credit Card is a niche card that is brilliant for the right person. Monthly golf is the real headline, and pairing it with 1.80% forex, 21.48% annual interest, no cash advance fee and no rent surcharge makes the fee structure far kinder than rivals once you are in.
My biggest criticism is the ₹75,000 joining fee with no welcome offset. Domestic lounges also need ₹5 lakh of quarterly spend, which is a steep gate. My verdict: take it if you golf and travel abroad regularly. Skip it if you mainly want rewards on everyday spends, because HDFC Infinia and Axis Magnus do that job for a sixth of the entry cost.
Joining / Annual Fee
Joining Fees
₹88,500 ( ₹75000 + GST )
Annual Fees
₹11,800 ( ₹10000 + GST )
The joining fee is ₹75,000, and nothing offsets it. With 18% GST, you pay ₹88,500 upfront. From the secon...
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The joining fee is ₹75,000, and nothing offsets it. With 18% GST, you pay ₹88,500 upfront. From the secon...
The joining fee is ₹75,000, and nothing offsets it. With 18% GST, you pay ₹88,500 upfront. From the second year, the annual fee is ₹10,000, waived when you spend ₹10,00,000 or more in the year.
The waiver target equals about ₹83,334 a month. If your monthly card spends are ₹90,000 across travel, shopping and dining, you pay no renewal fee. Spend ₹8 lakh instead and you pay ₹11,800 including GST.
Here is the first-year math. Use all BookMyShow tickets (₹25,200), both dining vouchers (₹6,000) and all 16 Priority Pass visits (about ₹48,000), and you recover roughly ₹79,200, still short of ₹88,500. Golf is what tips this card into positive value.
View FAQ
Commonly Asked Questions
What is the joining fee?
₹75,000 plus GST, which comes to ₹88,500.
Is the joining fee offset by any benefit?
No. There is no welcome benefit or offset against the joining fee.
What is the annual fee?
₹10,000 plus GST from the second year.
How do I get the annual fee waived?
Spend ₹10,00,000 or more in a year, roughly ₹83,334 a month.
What if I spend ₹9 lakh in a year?
You miss the waiver and pay ₹11,800 including GST.
Is the joining fee waivable?
No spend-based waiver applies to the ₹75,000 joining fee.
Can I recover the joining fee through benefits?
Yes, if you golf. Movies, dining and lounges together add up to about ₹79,200, and golf covers the rest.
Is this card lifetime free?
No. It carries a ₹75,000 joining fee and a ₹10,000 annual fee.
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
36LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
No
You must be between 18 and 70 years old. Salaried applicants need an annual income of ₹36 lakh, about ₹3 ...
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You must be between 18 and 70 years old. Salaried applicants need an annual income of ₹36 lakh, about ₹3 ...
You must be between 18 and 70 years old. Salaried applicants need an annual income of ₹36 lakh, about ₹3 lakh a month. Self-employed applicants need ₹42 lakh a year. A credit score of 750 or higher is expected for both.
| Criteria | Salaried | Self-Employed |
|---|---|---|
| Age | 18-70 years | 18-70 years |
| Minimum Income | ₹36 lakh per annum | ₹42 lakh per annum |
| Credit Score | 750+ | 750+ |
This is a high bar. A senior manager or doctor with a ₹3 lakh monthly salary qualifies. A self-employed consultant needs an ITR showing ₹42 lakh, which is about ₹3.5 lakh a month.
View FAQ
Commonly Asked Questions
What income do I need for this card?
₹36 lakh a year if salaried, ₹42 lakh a year if self-employed.
What is the age limit?
18 to 70 years for both salaried and self-employed applicants.
What credit score is needed?
750 or higher. A 730 score is likely to fall short.
Why is the self-employed income bar higher?
Self-employed income varies year to year, so the bank sets a higher threshold of ₹42 lakh.
Can I apply at 68?
Yes. The maximum age is 70.
Can an 18-year-old apply?
Age allows it, but the applicant must still meet the ₹36 lakh income and 750 score requirements.
Is my monthly salary of ₹2.8 lakh enough?
No. ₹2.8 lakh a month is ₹33.6 lakh a year, below the ₹36 lakh requirement.
What proof of income is needed?
Salary slips or Form 16 for salaried applicants, and ITR for the self-employed.
All Card Benefits
- 4 complimentary golf games and 4 complimentary golf lessons every month
- 6 complimentary domestic lounge visits per quarter plus a complimentary Priority Pass with 4 international visits per quarter
- ₹3,000 off dining bills twice a year through EazyDiner
- Buy 1 Get 1 free movie tickets on BookMyShow up to 3 free tickets a month
There is no welcome benefit on this card. The value sits in recurring monthly and quarterly privileges.Go...
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There is no welcome benefit on this card. The value sits in recurring monthly and quarterly privileges.Go...
There is no welcome benefit on this card. The value sits in recurring monthly and quarterly privileges.
Golf Benefits
You get 4 complimentary golf games and 4 complimentary golf lessons every month. If a round at a city course costs ₹3,000, the four monthly games alone are worth ₹12,000 a month, or ₹1,44,000 a year. For an active golfer, this single benefit recovers the joining fee in the first year.
Airport Lounge and Travel Benefits
You get up to 6 complimentary domestic lounge visits per calendar quarter, unlocked by spending ₹5,00,000 in the previous quarter. You also get a complimentary Priority Pass Standard Membership with 4 international lounge visits per quarter, which does not carry a spend condition.
At the airport, you get 25% off retail rates on Visa Airport Fast Track immigration at 450+ destinations, complimentary Visa Meet and Greet at major Indian airports on international flights, and 20% off Visa Airport Limo Transfers in key cities globally.
For example, if an international lounge visit costs around ₹3,000, using all 16 Priority Pass visits in a year saves ₹48,000.
Movie Ticket Benefits
BookMyShow offers Buy 1 Get 1 free, with the free ticket capped at ₹700 and up to 3 free tickets a month. You also get ₹50 off food and beverages for every 2 tickets booked. Separately, the Visa Infinite program offers a movie Buy 1 Get 1 capped at ₹300 per transaction and 20% off non-movie events up to ₹700 per transaction, within a ₹1,000 monthly benefit cap.
Book three premium shows a month at ₹700 a ticket, and you save ₹2,100 monthly, or ₹25,200 a year, before counting the food discount.
Dining Benefits
You get ₹3,000 off your total bill twice a year, once in any six-month period, when you pay online through the EazyDiner IndusInd dining voucher at 100+ partner restaurants. That is ₹6,000 of guaranteed savings a year. A ₹9,000 anniversary dinner becomes ₹6,000.
Insurance, Fuel and Hotel Benefits
Total Protect covers unauthorised, counterfeit and online card fraud up to your credit limit, with 2 days of pre-reporting and 7 days of post-reporting cover, and claims settled through ICICI Lombard. International travel cover protects against loss of checked baggage, baggage delay beyond 6 hours, loss of passport, loss of ticket and missed flight connections. Visa Infinite protection adds up to US$1,000 per claim and US$1,000 per annum.
You also get a 1% fuel surcharge waiver at all petrol pumps in India, applicable when the surcharge is at least ₹10, meaning fuel bills of ₹1,000 or more. A ₹4,000 fill-up saves ₹40. Hotel offers include stay-3-pay-2 deals and 50% savings on the second night at 40+ ITC Hotels properties and 150+ Elivaas luxury villas, plus a 24-hour concierge and Direct Connect service on 022-685 77777.
Reward Points Value
Every Reward Point on the IndusInd Indulge Credit Card is worth ₹1, one of the highest point values in India. Points go toward cash credit, KrisFlyer Miles, Maharaja Points or the IndusMoments catalogue. Accumulate 20,000 points and you hold ₹20,000 of value, or ₹19,851 after the ₹149 redemption fee.
View FAQ
Commonly Asked Questions
How many free golf games do I get?
Four complimentary games every month.
Are golf lessons included?
Yes. You also get 4 complimentary golf lessons every month.
Do unused golf games roll over?
No. The benefit resets monthly, so unused games in March do not carry into April.
Is the card worth it just for golf?
For a regular golfer, yes. Four ₹3,000 rounds a month add up to ₹1,44,000 a year.
How many domestic lounge visits do I get?
Up to 6 per calendar quarter, if you spent ₹5,00,000 in the previous quarter.
How many international lounge visits do I get?
Four per quarter through the complimentary Priority Pass Standard Membership, or 16 a year.
What is Visa Meet and Greet?
An airport assistance service at major Indian airports on international flights, complimentary with this card.
Is there a discount on airport transfers?
Yes. You get 20% off Visa Airport Limo Transfers in key cities worldwide.
How many free movie tickets can I get?
Up to 3 free tickets a month on BookMyShow, each capped at ₹700.
Is there a discount on snacks?
Yes. You get ₹50 off food and beverages for every 2 tickets booked.
What is the Visa Infinite movie offer?
Buy 1 Get 1 capped at ₹300 per transaction, plus 20% off non-movie events up to ₹700, within a ₹1,000 monthly cap.
How much can I save on movies in a year?
Up to ₹25,200 through BookMyShow if you use all 3 free tickets at ₹700 every month.
How does the dining discount work?
Pay online using the EazyDiner IndusInd dining voucher and get ₹3,000 off the total bill.
How often can I use it?
Twice a year, once in any six-month period.
Where can I use the dining voucher?
At 100+ EazyDiner partner restaurants.
What is the yearly dining value?
₹6,000, since you get ₹3,000 off twice a year.
What does Total Protect cover?
Unauthorised, counterfeit and online fraud up to your credit limit, with 2 days pre-reporting and 7 days post-reporting cover.
Is baggage delay covered?
Yes, if checked baggage is delayed beyond 6 hours on international travel.
How does the fuel waiver work?
You save 1% on fuel bills where the surcharge is ₹10 or more, so bills of ₹1,000 and above qualify.
Are there hotel offers?
Yes. Stay-3-pay-2 and second-night savings apply at 40+ ITC Hotels and 150+ Elivaas villas.
What is one reward point worth?
₹1 per point. 10,000 points equal ₹10,000.
Can I convert points to air miles?
Yes, to KrisFlyer Miles or Air India Maharaja Points.
Can I redeem points as cash?
Yes. Cash credit to your card account is one of the options.
Which spends earn no points?
Fuel, insurance, utility bills, government services and education.
Is there a redemption fee?
Yes, ₹149 per redemption. On 5,000 points, you get ₹4,851 net.
Where do I see the rewards catalogue?
On indusmoments.com, IndusInd's rewards platform.
Should I redeem small point balances?
No. The ₹149 fee takes 15% of a 1,000-point redemption, so wait until you have a larger balance.
Are miles better than cash credit?
Miles can be worth more on premium cabin redemptions. Cash credit is simpler and gives a fixed ₹1 per point.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Cash Credit
- KrisFlyers Miles
- Maharaja Points
- IndusMoments Catalogue
To check redemption catalogue
Log in to indusmoments.com or IndusInd net banking and choose from cash credit, KrisFlyer Miles, Maharaja...
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Log in to indusmoments.com or IndusInd net banking and choose from cash credit, KrisFlyer Miles, Maharaja...
Log in to indusmoments.com or IndusInd net banking and choose from cash credit, KrisFlyer Miles, Maharaja Points or catalogue items. Each point is worth ₹1, and a ₹149 fee applies per redemption.
For example, redeeming 15,000 points as cash credit gives ₹15,000 minus ₹149, so ₹14,851 lands on your statement.
View FAQ
Commonly Asked Questions
Where do I redeem points?
On indusmoments.com or through IndusInd net banking.
What are the redemption options?
Cash credit, KrisFlyer Miles, Maharaja Points and the IndusMoments catalogue.
What is each point worth?
₹1 per point.
How much is the redemption fee?
₹149 per redemption.
What do I get for 8,000 points as cash?
₹8,000 minus ₹149, which is ₹7,851.
Can I transfer points to airline partners?
Yes, to Singapore Airlines KrisFlyer and Air India Maharaja Points.
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Insurance
Utility Bills
Government Services
Education
For Spends Waiver
Fuel
Insurance
Utility Bills
Government Services
Education
Fuel, insurance, utility bills, government services and education earn no Reward Points on this card.For ...
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Fuel, insurance, utility bills, government services and education earn no Reward Points on this card.For ...
Fuel, insurance, utility bills, government services and education earn no Reward Points on this card.
For a high-income household, these add up fast. ₹1,50,000 of annual insurance premiums, ₹4,00,000 of school fees and ₹60,000 of utility bills total ₹6,10,000 a year earning nothing. Build your ₹10 lakh fee waiver from travel, dining and shopping instead, where every rupee also earns points worth ₹1 each.
View FAQ
Commonly Asked Questions
Do insurance premiums earn points?
No. A ₹1 lakh premium earns zero points.
Does fuel earn points?
No, but you get the 1% surcharge waiver on bills of ₹1,000 or more.
Do utility bills earn points?
No. Electricity, water and similar bills are excluded.
Do school fees earn points?
No. Education payments are excluded.
Do tax payments earn points?
No. Government services are on the exclusion list.
Is rent excluded?
Rent is not on the exclusion list, and no rent surcharge applies on this card.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.80% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 1.80% |
APR Fees Finance charges of 1.79% per month 21.48% per annum apply on unpaid outstanding balances until the amount is fully repaid | 1.79% |
ATM withdrawal Cash advance charges are waived on this card | Not Applicable |
Reward Redemption Fees ₹149 redemption fee per redemption | ₹149 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees no surcharge applies on rental transactions made using the credit card | Not Applicable |
cheque Payment Fees A fee of ₹250 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹250 |
Cash Payment Fees A fee of ₹100 is charged for making credit card bill payments in cash at the branch | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹350 |
| ₹1,001 - ₹10,000 | ₹550 |
| ₹10,001 - ₹25,000 | ₹800 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
Once you get past the steep joining fee, the IndusInd Indulge Credit Card has one of the friendliest fee ...
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Once you get past the steep joining fee, the IndusInd Indulge Credit Card has one of the friendliest fee ...
Once you get past the steep joining fee, the IndusInd Indulge Credit Card has one of the friendliest fee structures in India. Interest, forex and cash advance costs are far lower than on regular cards.
Joining Fee: ₹75,000 plus GST, or ₹88,500, with no offset. This is the card's biggest hurdle.
Annual or Renewal Fee: ₹10,000 from the second year, waived on ₹10,00,000 of annual spends. That needs about ₹83,334 a month.
APR / Interest Rate: Finance charges are 1.79% a month, or 21.48% a year, on unpaid balances until repaid. Carry ₹10,000 for a month and you pay about ₹179, less than half the ₹375 a 3.75% card charges.
Late Payment Charges: Slabs are ₹0 up to ₹100, ₹100 for ₹101-₹500, ₹350 for ₹501-₹1,000, ₹550 for ₹1,001-₹10,000, ₹800 for ₹10,001-₹25,000, ₹1,100 for ₹25,001-₹50,000 and ₹1,300 above ₹50,000. A missed ₹3,000 payment costs ₹550. An extra ₹100 applies if the minimum due stays unpaid for two consecutive cycles, continuing until cleared.
Foreign Transaction / Forex Markup Fee: The markup is 1.80% on foreign currency transactions at international POS and online. A USD 100 spend, about ₹8,800 at ₹88 to the dollar, carries about ₹158 in markup, compared with ₹308 on a 3.5% card.
ATM Cash Withdrawal Fee: Cash advance charges are waived. Withdrawing ₹10,000 carries no advance fee, compared with ₹500 on most cards, though interest still applies on the amount.
Rent Payment Convenience Fee: No surcharge applies on rent. Paying ₹50,000 rent by card costs nothing extra, saving ₹500 a month over a 1% card.
Railway Surcharge: A 1% surcharge applies on railway bookings. A ₹4,000 ticket adds ₹40.
Cash Payment Fee: Paying your bill in cash at a branch costs ₹100 each time.
Cheque Payment Fee: A ₹250 fee applies for cheque return, dishonour or auto-debit reversal, lower than the ₹450-₹500 many cards charge.
Reward Redemption Fee: Each redemption costs ₹149. On a 10,000-point redemption worth ₹10,000, your effective value is ₹0.985 per point.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹75,000 |
| Annual Fee | ₹10,000 (waived on ₹10,00,000 annual spend) |
| Interest Rate | 1.79% per month (21.48% per annum) |
| Late Payment | ₹0 to ₹1,300 based on amount due |
| Forex Markup | 1.80% |
| Cash Advance | Waived |
| Rent Payment | Nil |
| Railway Surcharge | 1% |
| Cash Payment at Branch | ₹100 |
| Cheque Return / Auto-debit Reversal | ₹250 |
| Reward Redemption | ₹149 per redemption |
View FAQ
Commonly Asked Questions
What is the interest rate?
1.79% a month, or 21.48% a year. ₹1 lakh unpaid for a month costs about ₹1,790.
What is the late fee on ₹20,000 due?
It falls in the ₹10,001-₹25,000 slab, so ₹800.
Is there a late fee on small balances?
Nothing up to ₹100, and ₹100 for dues between ₹101 and ₹500.
What is the forex markup?
1.80%. ₹2 lakh of foreign spend costs ₹3,600 extra.
Is there a cash withdrawal fee?
No. Cash advance charges are waived on this card.
Is there a fee for paying rent?
No. Rent payments carry no surcharge.
Is there a railway surcharge?
Yes, 1% on railway ticket bookings.
What if my auto-debit fails?
A ₹250 reversal fee applies, and a late fee may follow if the due date passes.
Is there a charge for paying in cash?
Yes, ₹100 per branch cash payment.
What is the redemption fee?
₹149 each time. Redeem in bulk to keep the cost negligible.
Documents Required
- Identity proof: PAN card (mandatory), Aadhaar or passport
- Address proof: Aadhaar, passport or recent utility bill
- Salaried income proof: last 3 months' salary slips and Form 16
- Self-employed income proof: last 2 years' ITR and audited financials
- Recent bank statements for 6 months
View FAQ
Commonly Asked Questions
Is PAN mandatory?
Yes, for every credit card application in India.
What income proof do salaried applicants need?
Salary slips and Form 16 showing ₹36 lakh or more a year.
What do self-employed applicants submit?
ITR showing ₹42 lakh or more, plus financials and bank statements.
Can I use a passport as address proof?
Yes. A valid passport works for both identity and address.
Are bank statements required?
Usually yes, covering the last 6 months.
Can my RM collect documents for me?
Yes. Existing premium customers can submit documents through their relationship manager.
Who Should Get This Card?
Do you play golf every month? This is the card's strongest case. Four games and four lessons monthly easily outweigh the fees.
Do you travel abroad several times a year? The 1.80% forex markup, 16 Priority Pass visits and travel insurance add real value.
Do you watch movies and dine out often? BookMyShow and EazyDiner benefits add up to ₹31,200 a year.
Who should skip it? If you do not golf, the ₹75,000 joining fee is hard to justify. People who want high flat rewards on everyday spends are better off chasing an Infinia invite.
Credit Limit and What to Expect
With a ₹36 lakh-plus income requirement, credit limits on super-premium cards like this commonly start at ₹5 lakh and go higher based on income and banking relationship. The Total Protect fraud cover also scales with your limit, since it covers fraud up to your credit limit.
View FAQ
Commonly Asked Questions
What credit limit can I expect?
Limits commonly start around ₹5 lakh for this income bracket.
Does my limit affect fraud cover?
Yes. Total Protect covers fraud up to your credit limit.
Can I increase my limit?
Yes, through your relationship manager or net banking after a record of on-time payments.
How does my limit relate to the lounge condition?
Domestic lounge access needs ₹5 lakh of spend in a quarter, so your limit must comfortably support that.
Do add-on cards share my limit?
Yes. Add-on spends come out of the primary limit.
How much of my limit should I use?
Stay under 30%. On a ₹10 lakh limit, keep dues below ₹3 lakh.
Terms and Conditions
- Golf benefits reset monthly: 4 games and 4 lessons.
- Domestic lounge access requires ₹5,00,000 of spends in the previous calendar quarter.
- Priority Pass international visits are capped at 4 per calendar quarter.
- BookMyShow free tickets are capped at ₹700 each and 3 per month.
- Dining discounts apply once in any six-month period via the EazyDiner IndusInd voucher.
- Total Protect covers fraud from 2 days before to 7 days after reporting.
- The annual fee waiver needs ₹10,00,000 of spends in the year.
View FAQ
Commonly Asked Questions
How is the domestic lounge condition tracked?
By calendar quarter. Spend ₹5 lakh in January to March to get visits in April to June.
Do Priority Pass visits carry forward?
No. The 4 visits reset every calendar quarter.
Can I get 4 free movie tickets in a month?
No. BookMyShow caps free tickets at 3 per month.
Can I use both dining discounts in one month?
No. Each discount applies once in any six-month period.
How soon must I report card fraud?
Report immediately. Cover applies to fraud from 2 days before reporting to 7 days after.
Who settles fraud claims?
Claims under Total Protect are settled through ICICI Lombard.
What does Visa Infinite protection cover?
Up to US$1,000 per claim and US$1,000 per annum.
What happens to points if I close the card?
Unredeemed points lapse, so redeem them before closure.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Enjoy 6 Complimentary Domestic Lounge Visits
Every Quarter, unlocked by ₹5,00,000 of spends in the previous quarter, You also get a complimentary Priority Pass with 4 international lounge visits every quarter
Get ₹3,000 Off Your Restaurant Bill Twice a Year
Pay online through EazyDiner at 100+ partner restaurants, once every six months
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