IndusInd Bank Credit Card: Apply Online for Best Credit Cards 2019

Updated: 22-09-2020 05:52:58 AM

IndusInd Bank credit cards come with benefits across multiple categories including travel, shopping, dining, rewards and movies along with some premium privileges on select cards. Here are the top IndusInd Bank credit cards with their detailed features and benefits. Choose the one that matches your lifestyle.

Best IndusInd Bank Credit Cards in India 2020

Credit Card	Annual Fee	Best Suited For	Minimum Income (p.m.)
IndusInd Bank Platinum Aura Credit Card	Rs.200	Shopping and Dining	Rs. 30,000
IndusInd Bank Platinum Aura Edge Credit Card	Nil	Travel and Rewards	Rs. 25,000
IndusInd Bank Pinnacle Credit Card	Rs. 12,999*	Travel and Movies	Rs. 25,000
IndusInd Bank Legend Credit Card	Rs. 9,999*	Travel and Movies	Rs. 25,000
IndusInd Bank Nexxt Credit Card	Rs. 3,499	Rewards and Lounge Access	Rs. 25,000
IndusInd Platinum Credit Card	Nil	Golf and Lounge Access	Rs. 30,000

*IndusInd Pinnacle and IndusInd Legend are both Premium Credit Cards offered by the bank.

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IndusInd Bank Credit Cards- Features and Benefits

IndusInd Bank credit cards provide varied benefits when it comes to shopping, dining and travelling. Below we have mentioned detailed features of these credit cards to help you make the right decision.

IndusInd Bank Platinum Aura Credit Card

Card Details

Should you opt for this Card?

Card Details

Welcome Gift- Welcome gift vouchers from Eazy Diner, Bata and Vero Moda

Reward Points- Reward Points that can be earned per Rs. 100 spent are:

4 Reward Points when shopping at departmental stores, Grocery shopping, Hotel expenses, and restaurant bills
2.5 Reward Points on cell phone bills, Electricity bills, airline tickets,
2 Reward Points when purchasing consumer durables, electronic items, or settling bar/pub bills
1.5 Reward Points on Restaurant bills, books, Medical spends, Insurance premium, car rental, rail tickets, and movie tickets spends
0.5 Reward Points on other spends

Priority Pass Membership & Free Access- Zero membership fee plus up to 8 free lounge visits in a year.

Concierge Services- Access to premium concierge services that may be availed for flight booking, hotels and dining reservations, flower/gift deliveries etc.

Air accident cover- Complimentary personal air accident insurance cover of up to Rs. 25 lakh.

More about this card

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Should you opt for this Card?

IndusInd Platinum Aura Credit Card is well-suited for the needs of those who:

- Put major monthly expenses on their credit card as it offers all-round rewards
- Have travel needs multiple times in a year and would prefer saving on these trips

However, if not satisfied, you should look for other similar cards as below-

SIMILAR CARDS FROM OTHER BANKS

SBI Card PRIME

YES Prosperity Rewards Plus

20 reward points per Rs 100 spent on standing instructions of utility bill payments, 10 reward points per Rs. 100 spent on dining, groceries, departmental stores, and movies.

Read more about this card

3 reward points per Rs. 100 spent on Grocery & Supermarket spends, 2 reward points per Rs. 100 spent on other categories, 500 RP on YES PayNow registration

Read more about this card

IndusInd Bank Platinum Aura Edge Credit Card

Card Details

Should you opt for this Card?

Card Details

4 savings points for departmental store spends
2 savings points for consumer durables or electronic items purchase
5 savings points on dining and book purchases
5 savings points for all other spends
1 savings point equals Re. 0.50.

Lounge Access- Access to 700+ lounges across the world (for both primary and add-on users), only 1 visit can be availed per quarter.

Travel Plus Program- Avail membership of the Travel Plus Program at Rs. 5,000 to get $27 fee for international lounge visits waived off.

Travel Insurance Cover- Avail complimentary insurance coverage for lost baggage, lost passport, delayed baggage, lost ticket or missed connecting flight.

Reward Redemption Options- Redeem accumulated savings points in the following ways:

Cash credit: 1 savings point equals Re. 0.50
Convert savings points to Vistara Points or InterMiles
Purchase vouchers or merchandise from Indus Moments Rewards Catalogue

More about this card

Check Eligibility

Should you opt for this Card?

IndusInd Platinum Aura Edge Credit Card is a zero annual fee credit card that is well-suited for your shopping needs. You should consider getting this card if:

You put most of your monthly expenses on credit card
You travel occasionally but would want free lounge access
You prefer rewards convertible into air miles over cashback

However, if you would like to avail benefits across other categories such as travel or entertainment, you should look for other options as mentioned below-

SIMILAR CARDS FROM OTHER BANKS

RBL Bank World Safari Credit Card

American Express Membership Rewards® Credit Card

5 reward points for every Rs.100 spent on travel, 2 reward points for every Rs.100 spent on all other categories

Read more about this card

1 Membership Reward Point on every Rs. 50 spent, 4,000 Bonus Points on spending Rs. 2,000 within 60 days of card membership

Read more about this card

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IndusInd Bank Pinnacle Credit Card

Card Details

Should you opt for this Card?

Card Details

Rewards- Reward Points that can be earned per Rs. 100 spent are:

2.5 reward points on online shopping
1.5 reward points on online travel and airline transactions
1 reward point on utility bill payment online
1 reward point for POS transactions

Golf Benefits- 2 complimentary golf games and 4 complimentary golf lessons per month.

BookMyShow Offer- ‘Buy One Get One’ offer on movie tickets on BookMyShow with maximum discount for each ticket capped at Rs. 200.

Lounge Access- Complimentary Priority Pass Membership along with 1 free Domestic MasterCard lounge visit per quarter.

Travel Insurance- Complimentary insurance cover against loss/delayed baggage, lost passport, lost ticket, etc.

More about this card

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Should you opt for this Card?

IndusInd Pinnacle Credit card is a super premium credit card designed for high net worth customers. It is a complete package for all those who enjoy a luxurious lifestyle be it travel, golf privileges, or extraordinary experience. You should consider getting this card if:

You are willing to pay a high annual fee for premium features
You are a frequent traveler and a heavy spender

However, if you feel that the high annual fee of this card does not justify the benefits that it offers, you can look for similar options from other banks-

CARDS WITH SIMILAR BENEFITS AND LOWER FEE

RBL Bank Platinum Maxima Credit Card

HDFC Regalia Credit Card

2 reward points for every Rs.100 spent on all categories. Also 1+1 free movie ticket (up to Rs.200) on BookMyShow once a month

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Welcome bonus of 2500 reward points and 4 Reward Points for every Rs. 150 spent. Also get complimentary Priority Pass Membership

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IndusInd Bank Legend Credit Card

Card Details

Should you opt for this Card?

Card Details

Rewards- Reward Points that can be earned per Rs. 100 spent are:

1 Reward Point on weekdays
2 Reward Points on weekends

Golf Benefit- 1 complimentary golf game per month and 1 complimentary lesson per month.

Movie Benefit- Avail ‘Buy One Get One’ offer on BookMyShow with maximum discount on each ticket capped at Rs. 200. 3 free tickets can be availed in a month.

Lounge Access- 1 visit per quarter to domestic and international airport lounges.

Travel Plus Program- Membership of the Travel Plus Program at Rs. 5,000 and international lounge visits fee of $27 waived off for 8 visits in a year.

Travel Insurance Cover- Complimentary insurance coverage for lost passport, lost baggage, delayed baggage, lost ticket or missed connecting flight. Personal air accident cover of up to Rs. 25 lakh.

More about this card

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Should you opt for this Card?

IndusInd Bank Legend Credit Card is a premium credit card best suited for people who are ready to pay a very high annual fee and would like to get benefits on travel, golf and lounge access.

However, if you find the annual fee way too high in comparison to the benefits that its offering, you should look for other similar cards as mentioned below-

SIMILAR CARDS WITH LOWER ANNUAL FEE

SBI Card Elite

Standard Chartered Emirates World Credit Card

50,000 bonus Reward Points worth Rs.12,500 per year. Also free movie tickets worth Rs.6,000 every year

Know more about this card

4,000 bonus Miles as a welcome gift. Also 5% cashback on duty free shopping (up to a maximum of Rs.1,000 per month)

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IndusInd Bank Nexxt Credit Card

Card Details

Should you opt for this Card?

Card Details

Rewards- 1 Reward Point per Rs. 150 spent across all categories.

IndusInd Auto Assist- Covers against unforeseen auto halts or accidents including Roadside Repair, Keys Locked in the vehicle, Road Accident Management, Medical Assistance etc.

Movie Benefit- ‘Buy One Get One’ offer on BookMyShow and Satyam Cinemas. Maximum 2 free tickets can be availed in a month.

Lounge Access- Free Priority Pass Membership and avail 1 free lounge visit in a quarter.

Travel Plus Program- Membership of the Travel Plus Program at Rs. 5,000 and international lounge visits fee of $27 waived off for 8 visits in a year.

Insurance Cover- Free insurance cover for loss of baggage, loss of ticket or missed connecting flight. Also, avail free personal air accident cover up to Rs. 25 Lakh.

More about this card

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Should you opt for this Card?

IndusInd Bank NEXXT Credit Card is India’s first interactive credit card that has buttons that let you choose the preferred mode of payment. You can get movie benefits, rewards and travel privileges on this card. You should consider getting the card if you are a frequent traveler.

If you are looking for a card that offers benefits across multiple categories, then you should look for other similar cards with a comparatively low annual fee-

SIMILAR CARDS FROM OTHER BANKS

RBL Bank Platinum Maxima Credit Card

HDFC Regalia First Credit Card

2 reward points for every Rs.100 spent on all categories. Also 1+1 free movie ticket (up to Rs.200) on BookMyShow once a month

Know more about this card

Up to 4 Reward Points for every Rs. 150 spent and up to 7,500 Reward Points on annual spends of Rs. 6 lakh or more

Know more about this card

IndusInd Platinum Credit Card

Card Details

Should you opt for this Card?

Card Details

Welcome Offer- Welcome bonus in the form of gift vouchers from SatyaPaul and 100% waiver of base fare on 1 Jet Airways flight ticket at the time of joining.

Platinum Auto Assist- Platinum Auto Assist program provides various forms of road side assistance such as flat tyre, mechanical or electric faults.

Movie Benefit- ‘Buy One Get One’ offer on BookMyShow and Satyam Cinemas. Maximum 2 free tickets can be availed in a month.

Rewards- 1.5 reward points for every spending of Rs. 150 across categories..

Accident Cover- Complimentary accident cover for Rs.25 lakh.

More about this card

Check Eligibility

Should you opt for this Card?

The IndusInd Bank Platinum Credit Card is a zero annual fee card that offers a comprehensive range of benefits to suit your preferences. You should consider getting this card if:

- You do not wish to pay annual fee on the card
- You would want limited but all-round benefits across multiple categories

However if you are willing to pay a nominal fee for better benefits, you may opt for one of the cards shown below:

SIMILAR CARDS FROM OTHER BANKS

YES FIRST Preferred Credit Card

1.5% cashback on all online spends and 1% on all other spends. Also get up to 15% when dining at partner restaurants in major cities

Know more about this card

4 Reward Points per Rs. 100 on all categories, 8 points per Rs. 100 on domestic airlines, travel agencies & dining

Know more about this card

IndusInd Bank Credit Card Rewards Program

When you use IndusInd Bank credit cards to make purchases, you will earn reward points which can be redeemed against a wide range of gift vouchers and merchandise. The number of reward points earned differs from card to card and also on the basis of type of transactions made. The table given below shows the reward earnings on different credit cards-

IndusInd Bank Credit Cards	Reward Points on All Spends	Reward Points on Special Categories
IndusInd Bank Platinum Aura Credit Card	0.5 points per Rs.100 spent	4 Savings points on departmental spends 2 Savings Points on Purchase of consumer durables or electronic items 1.5 Savings points on Restaurant Bills and books purchase
IndusInd Bank Platinum Credit Card	1.5 Point for every Rs.150 spent	NA
Indusind Bank Platinum Select Credit Card	1 Point for every Rs.150 spent	NA
IndusInd Bank Platinum Aura Edge Credit Card	0.5 points per Rs.100 spent	4 Savings points on departmental spends 2 Savings Points on Purchase of consumer durables or electronic items 1.5 savings points on Restaurant Bills and books
IndusInd Bank Legend Credit Card	1 Point for every Rs.100 spent on weekdays	2 Point for every Rs.100 spent on weekends
IndusInd Bank Pinnacle Credit Card	1 point for every Rs.100 spent	2.5 point on every Rs.100 spent online 1.5 point on every Rs.100 spent on E-com travel and airline transactions

Rewards Redemption

The accumulated reward points can be redeemed against vouchers and merchandise across different categories. You can choose from over 6,000 products from IndusInd Bank rewards catalogue. Alternatively, you can redeem the points to get Oberoi Hotels & Resorts Stay vouchers, Genesis Luxury Vouchers, Airline Miles on partner airlines, or direct cash credit into your credit card account.

Know more about IndusInd Bank Credit Card Reward Points

IndusInd Bank Credit Card- Fees and Charges

The table given below shows the other fees and charges associated with IndusInd Bank credit cards-

Fee / Charge	Amount
Joining / Annual Fee	Varies from one card variant to another
Interest Rate	3.38% pm (46% pa)
Late Payment Fee	Up to Rs.100- Nil Rs.101 to Rs.500- Rs.100 Rs.501 to Rs.1,000- Rs.350 Rs.1,001 to Rs.10,000- Rs.550 Above Rs.10,000- Rs.700
Foreign Currency Markup Fee	3.5% (Signature Legend card will be charged Foreign Currency Markup at 1.8%)
Fuel Surcharge	2.5% (subject to min. Rs. 10), waived for transactions between Rs. 400 – Rs. 4,000
Cash Payment Fee at IndusInd Bank Branch	Rs.100
Duplicate Statement Request	Rs. 100 per statement (beyond last 3 months)
Re-issue/Replacement	Rs. 100
Charge-slip Request	Rs. 300
Usage Charge at Priority Pass Lounges	Up to US $27 per person per visit

Eligibility and Documents Required for IndusInd Bank Credit Card

To be eligible for an IndusInd Bank Credit Card, you should meet the basic eligibility criteria set by the bank as shown below-

Age	21- 65 years
Occupation	Salaried and Self-Employed
Minimum Income	Varies from card to card
Serviceable Cities	Click here for the list of eligible cities
Documents Required	Click here to see the list of acceptable documents

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How to Apply for IndusInd Bank Credit Card Online?

Follow the below-mentioned steps to apply for IndusInd Bank Credit Card Online-

Step 1- Click Here to begin with your IndusInd Bank credit card online application

Step 2- Fill in the basic details like mobile number, income details, date of birth etc.

Step 3- Choose the credit card that suits your needs. Check your eligibility for the preferred card by providing some more details.

Step 4- If you meet the eligibility criteria as mentioned by the bank, you can proceed with the credit card application. A background check will be done by the bank and if your credit card is approved, it will be dispatched shortly to your mentioned address.

Note that some credit cards may not be available on Paisabazaar’s platform. If there is a particular card you are looking for and is not mentioned on the list, you can apply for the same by visiting the nearest bank branch or by applying on the bank’s website.

Already Applied for IndusInd Bank Credit Card? Know how to Check Your Application Status

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IndusInd Bank Credit Card Customer Care

IndusInd Bank Credit Card users can get in touch with the bank’s customer care by calling on-

1860 267 7777

You can also reach the customer care department by writing an email, letter or by directly visiting the nearest IndusInd branch.

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IndusInd Bank Credit Card FAQs

Is an add-on card facility available on IndusInd Credit Cards?

You can apply for up to 5 add on cards on the Classic credit cards offered by IndusInd bank. The add on cardholders will mostly have the same benefits and privileges as that of a Primary credit card.

What is the procedure of updating the address on a credit card?

You can update your address online via internet banking. You may be required to submit scanned copies of your new address proof online. Alternatively, you can call IndusInd Bank customer care and request an address update.

What is the payment method for credit cards?

You can pay your credit card bills online through NEFT, Internet Banking, Mobile banking, set an auto-debit payment mode, NACH Facility or by visiting the nearest bank branch and paying by cheque or cash.

Can I check the outstanding and available balance on my card?

Credit card outstanding and available balance can be checked online by logging into the internet banking portal or mobile app and via SMS.

Can I avail loan using my IndusInd Bank credit card?

IndusInd Bank customers have the additional privilege of availing a pre-approved Indus Easy Loan using their credit cards, depending on the unutilized credit limit.

What is the billing cycle of IndusInd credit card?

A billing cycle may range from 20 to 40 days. A credit card statement is issued at the end of every billing cycle and e-mailed to your registered ID or sent to your communication address (in case you have opted for a physical statement).

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Best IndusInd Bank Credit Cards in India 2020