IndusInd Bank Indulge Credit Card – Benefits, Fees & Eligibility

Introduction

The IndusInd Bank Indulge Credit Card is a top-end offering by IndusInd Bank, specifically targeted at high-net-worth individuals (HNIs). This premium Visa credit card stands out with its unique inlay of pure 22K gold and a glossy reflective finish, offering a truly luxurious feel. Key differentiating benefits include a complimentary Priority Pass membership with four free international lounge visits each quarter, a 24x7 concierge service, and a remarkably low foreign currency markup fee of 1.8%. Additionally, the card offers the flexibility of no pre-set credit limit, allowing cardholders to spend beyond a base revolving credit limit.

Fees

• Joining Fee: ₹75,000 + GST
• Annual Fee: ₹10,000 + GST
• Spend-Based Waiver: The annual fee is waived on spends of ₹10 Lakh each year.
• Rewards Redemption Fee: ₹100
• Foreign Currency Markup: 1.8% + GST
• Interest Rates: 1.79% per month (or 21.48% annually)
• Fuel Surcharge Waiver: A 1% fuel surcharge is waived for transactions between ₹400 and ₹4,000.
• Cash Advance Charges: Waived

Rewards

• Rewards Rate: Earn 1.5 Reward Points for every ₹100 spent using the card across all categories.
• Movie & Dining Benefits:
  • Buy One Get One Offer on BookMyShow, capped at ₹700 per ticket. This benefit can be availed a maximum of 3 times in a month.
  • Get an additional discount of ₹50 on selecting the F&B option on BookMyShow.
  • Receive a discount of 25% on non-movie tickets on BookMyShow.
  • Save ₹3,000 on dining bills twice every year with complimentary vouchers from EazyDiner.
• Travel Benefits:
  • Complimentary Priority Pass Membership: Provides access to international lounges.
  • International Lounge Access: Four complimentary international lounge accesses every quarter through Priority Pass, outside India. (Effective 13th March 2025).
  • Domestic Lounge Access: Six complimentary visits to domestic lounges per quarter under the Visa lounge access program, on spends of ₹5 Lakh per quarter. (Spends criteria tracking initiated from 1st April 2026 to unlock access from July 2026 quarter onwards).
  • Priority Pass Domestic Usage: For domestic lounge visits using the complimentary Priority Pass, you will be charged US $27 per visit.
  • 24x7 Concierge Service: Available for hotel and flight bookings.
• Golf Benefits: 4 complimentary golf games and 4 complimentary golf lessons per month. (Effective 10th March 2026).
• Insurance Benefits: Lost card liability protection applies from 48 hours prior to reporting the loss of the card.

Rewards Redemption Guide

• Reward Points are redeemable against KrisFlyer Miles, Cash Credits, or IndusMoments (for purchasing select products and shopping vouchers).
• KrisFlyer Miles Redemption: 200 Reward Points = 100 KrisFlyer Miles.
• Cash Credit Redemption: 1 Reward Point = ₹1.
• Minimum Redemption: You must have accumulated at least 500 Reward Points for redemption against AirMiles or Cash Credit.
• Maximum Redemption: A maximum of 10,000 reward points can be redeemed in a statement cycle.
• Reward Point Validity: Reward Points are valid for 1 year from the date of accrual; unused points expire after 1 year.

Card Eligibility Criteria

• Salaried Applicants: Must have a minimum annual income of ₹36 lakh.
• Self-Employed Applicants: Must have a minimum annual income of ₹42 lakh.
• Credit Score: Applicant must have a good credit score.
• Documentation:
  • KYC Documents: Pan card, Aadhaar card, and photograph are mandatory.
  • Other Acceptable Address Proofs (if communication address varies from Aadhaar Card): Voter’s ID, driving license, passport, etc.
  • Income Documents:
    • For Salaried Individuals: Last 3 month’s bank statement and last 3 month’s salary slip or other bank’s credit card details.
    • For Self-Employed Individuals: Latest copy of ITR or other bank’s credit card details.
  • Note: All the above documents need to be self-attested by the applicant.

Card Review

The IndusInd Bank Indulge Credit Card is positioned as a premium offering, providing best-in-class benefits to its card members. It is an excellent choice for high-net-worth individuals who frequently spend across various categories, including travel, dining, and shopping.

Pros:

• Premium Benefits: Includes complimentary Priority Pass membership, 24x7 concierge service, and extensive lounge access.
• Excellent Rewards Rate: Earns 1.5 Reward Points for every ₹100 spent on all categories, which is a consistent and strong earning rate.
• Flexible Redemption: Reward Points can be redeemed against partner airline AirMiles (KrisFlyer Miles), cash credit (1 Reward Point = ₹1), or for shopping vouchers via IndusMoments.
• No Pre-set Credit Limit: Offers significant spending flexibility beyond the base revolving credit limit.
• Low Foreign Currency Markup: A competitive 1.8% forex markup fee makes international transactions more economical.
• Exclusive Design: Features a unique pure 22K gold inlay.

Cons:

• Hefty Fees: Comes with a substantial joining fee of ₹75,000 + GST and an annual fee of ₹10,000 + GST, though the annual fee can be waived on high spends.

Overall, despite the high fees, the card offers significant value through its comprehensive suite of premium benefits and a rewarding points program, making it a worthwhile option for its target audience.

Important Product Details

• Earn 1.5 Reward Points for every ₹100 spent using the card.
• Reward Points are redeemable against Airmiles, cash credit, or IndusMoments.
• Complimentary domestic and international lounge access.
• Complimentary Priority Pass membership.
• Buy One Get One offer on movie tickets & discount on non-movie tickets on BookMyShow.
• Complimentary access to golf games and lessons at selected golf courses.
• Lost card liability protection from up to 48 hours prior to the time of reporting the loss of the card.
• No preset credit limit, offering flexibility to spend over and above the base limit.
• Low forex markup fee of 1.8%.
• Access to 24x7 concierge service for various bookings and assistance.

Other Details

• The card features a pure 22K gold inlay and a glossy reflective finish, emphasizing its premium aesthetic.
• For IndusInd concierge service, you may dial 1860 267 7777.
• Terms and conditions apply for various benefits and features, including lounge access, golf, and dining vouchers.