IndusInd Bank Indulge Credit Card – Benefits, Fees & Eligibility

IndusInd Bank Indulge Credit Card

The IndusInd Bank Indulge Credit Card is a top-tier Visa credit card designed for high net-worth individuals (HNIs). This premium offering is notable as the first credit card in the Indian subcontinent to feature a pure 22K gold inlay, providing a luxurious aesthetic. Beyond its distinguished appearance, the card delivers substantial value through a suite of exclusive privileges, including a complimentary Priority Pass membership with four free international lounge visits per quarter, a 24×7 concierge service, and a personal air accident cover worth ₹2.5 crores. It also stands out with its flexible credit limit and a low foreign currency markup fee of 1.8%.

Fees

• Joining Fee: ₹75,000 + GST
• Renewal Fee: ₹10,000 + GST
• Spend-Based Waiver: The annual fee can be waived on spends of ₹10 lakh each year.
• Rewards Redemption Fee: ₹100
• Foreign Currency Markup: 1.8% + GST
• Interest Rates: 1.79% per month (equivalent to 21.48% annually)
• Fuel Surcharge: 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.
• Movies & Dining
  • BookMyShow Offer: Buy One Get One free offer on movie or non-movie tickets on BookMyShow.
    • This benefit can be availed a maximum of 3 times in a month.
    • The maximum ticket price for the free ticket is capped at ₹700.
    • An additional discount of ₹50 is available when selecting the F&B option.
    • A 25% discount is also offered on non-movie tickets on BookMyShow.
  • EazyDiner Vouchers: Receive ₹3,000 worth of vouchers from EazyDiner twice each year for dining bills.
• Travel Benefits
  • Domestic Lounge Access: Get 6 complimentary domestic lounge accesses per quarter under the Visa Lounge program.
  • International Lounge Access: Effective 13th March 2025, you are eligible for 4 complimentary international lounge visits in each calendar quarter through Priority Pass, outside India.
  • Priority Pass Membership: A complimentary Priority Pass membership is provided.
    • For domestic lounge visits using the complimentary Priority Pass, a charge of US $27 per visit will apply.
  • Fast Track Immigration Services: Enjoy a 25% discount on rates at Fast Track immigration services at more than 450 locations worldwide.
  • Visa Limo Transfer Program: Avail a 20% discount on airport transfer services.
• Golf
  • Unlimited Golf Games at Regular Clubs.
  • 4 Free Golf Games per month at Premium Clubs.
  • The golf program was updated effective 13th March 2025.
• Insurance Benefits
  • Personal air-accident insurance cover worth ₹2.5 crores, applicable only in case of loss of life.
  • Liability protection in case of loss of card is applicable from up to 48 hours prior to reporting the loss of the card.
• Lifestyle: Best suited for Travel, Dining, and Shopping.

Rewards Redemption Guide

• Reward Points can be redeemed against KrisFlyer Miles, Cash Credits, or IndusMoments (for purchasing select products and shopping vouchers).
• KrisFlyer Miles Conversion: 200 Reward Points are equivalent to 100 KrisFlyer Miles.
• Cash Credit Conversion: 1 Reward Point is equivalent to ₹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 Points Validity: IndusInd Reward Points are valid for 1 year from the date of accrual. Unused points expire after 1 year.

Card Eligibility Criteria

• Eligibility Rules
  • For Salaried Individuals: Minimum annual income of ₹36 lakh.
  • For Self-Employed Individuals: Minimum annual income of ₹42 lakh.
  • Applicants must have a good credit score.
• Documents Required
  • 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, Last 3 month’s salary slip, or other bank’s credit card details.
  • Income Documents 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 offers best-in-class benefits, making it an excellent offering for high net-worth individuals who appreciate premium services and spend across various categories. Its unique reward structure allows for earning 1.5 Reward Points on every ₹100 spent across all categories, which is a significant advantage. The flexibility to redeem Reward Points against KrisFlyer Miles, IndusMoments, or directly as cash credit (1 Reward Point = ₹1) provides immense value and choice, a feature not commonly found in other credit cards.

Pros:

• Luxurious Design: First credit card in India with a pure 22K gold inlay.
• Flexible Credit Limit: No pre-set credit limit, offering flexibility to spend above the base revolve credit limit.
• Comprehensive Reward Program: Consistent reward rate across all spending categories.
• Flexible Redemption Options: Points can be converted to air miles, cash credit, or used for shopping vouchers.
• Premium Travel Benefits: Includes complimentary Priority Pass, international and domestic lounge access, discounts on Fast Track immigration and limo transfers.
• Extensive Lifestyle Privileges: Generous movie and dining benefits, including BOGO offers on BookMyShow and EazyDiner vouchers, and unlimited golf access.
• Strong Insurance Cover: Personal air accident cover of ₹2.5 crores and lost card liability protection.
• Low Foreign Currency Markup: A competitive 1.8% markup on international transactions.
• Low Interest Rate: A relatively lower interest rate of 1.79% per month.

Cons:

• High Fees: Comes with a substantial joining fee of ₹75,000 + GST and an annual renewal fee of ₹10,000 + GST.
• High Income Requirement: Strict eligibility criteria with high annual income thresholds.

Overall, despite the hefty annual membership fee, the Indulge Credit Card provides exceptional value through its extensive range of benefits, making it a compelling choice for individuals seeking a truly premium credit card experience.

Important Product Details

• It is the first credit card in the Indian subcontinent with a pure 22K gold inlay.
• The card has no pre-set credit limit, offering flexibility to spend above the base revolve credit limit.
• Earn 1.5 Reward Points for every ₹100 spent using the card.
• Reward Points are redeemable against Airmiles, cash credit, or IndusMoments.
• Includes complimentary domestic and international lounge access.
• Comes with a complimentary Priority Pass membership.
• Offers a Buy One Get One deal on movie tickets and discounts on non-movie tickets on BookMyShow.
• Provides unlimited complimentary access to golf games at selected golf courses.
• Features a lower interest rate of 1.79% per month.
• Includes a personal air accident cover worth ₹2.5 crores.
• Offers lost card liability protection from up to 48 hours prior to the time of reporting the loss of the card.
• Provides 24×7 concierge service.
• Supports contactless payments with Visa payWave technology.

Other Details

• Concierge Service: A 24×7 concierge service is available for assistance regarding hotel and flight bookings.
• Customer Care: For any assistance or to report the loss of your card, you may contact IndusInd Bank’s customer care at 1860 267 7777 or via email at indulge.care@indusind.com.
• Card Design: The card features a pure 22K gold inlay and a glossy reflective finish, making it visually premium.