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IndusInd Bank Duo Card
Movies
Rewards
Movie
Free movie tickets worth Rs. 3,000
Travel
2% Cross Currency Markup Fee
Rewards
1 reward point per Rs. 150 spent
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About IndusInd Bank Duo Card
IndusInd Bank Duo Card is India’s first debit-cum-credit card. This card comes with two EMV chips, allowing cardholders to use it as a debit or credit card as per their requirement. Cardholders can also earn 1 reward point for every Rs. 150 spent through this card. Besides this, the card offers other benefits such as free movie tickets worth Rs. 3,000 every year, 20% discount on Zomato & BigBasket, 2% cross currency markup fee waiver, and more, which further enhances the card’s overall value.
Consumers looking for a dual-functionality card with basic benefits can apply for this card. However, it might not be the best option for those seeking a credit card that offer category-specific benefits.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit IndusInd Bank’s website.
Discount Details & Rewards Program
Discount Details1
- Up to 20% instant discount on BigBasket
- Up to 20% instant discount on Zomato
Rewards Program
- 1 reward point for every Rs. 150 spent
Cardholders can also earn the below-mentioned reward points on their first transaction:
Other Features & Benefits
Movie Benefit
- Buy 1 get 1 one free movie ticket offer on BookMyShow, once per month
Fuel Surcharge Waiver
- 1% fuel surcharge waiver of up to Rs. 250 per month on transactions between Rs. 500 and Rs. 3,000
Cross Currency Markup Fee
- 2% cross currency markup fee
Insurance Benefits
- Lost card liability: Rs. 3 Lakh
- Air accident insurance: Rs. 30 Lakh
IndusInd Bank Duo Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||
| Annual Fee | Nil | ||||||||||||||||
| Finance Charges | 3.83% p.m. (46% p.a.) | ||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You are looking for a lifetime free card with basic benefits
You frequently go out to watch movies and prefer booking tickets via BookMyShow
You frequently order food and groceries from Zomato and BigBasket, respectively
You are looking for a debit-cum-credit card with reward benefits
Other Similar Cards
Paisabazaar Review
What do we like about this card?
IndusInd Bank Duo Credit Card is best suited for consumers who are looking for a card that works as both a credit and a debit card. However, cardholders need to be cautious while using it, as there is a chance of swiping the wrong side at ATMs or POS systems. Apart from rewards, the card also offers entertainment benefits, insurance cover, fuel surcharge waiver, and other perks. Overall, considering its zero joining and annual fees, it is a decent card that offers the benefits of not just one, but two cards at the same time.
Pros
- No joining and annual fee
- Dual functionality of debit-cum-credit card
- Free movie tickets worth Rs. 3,000 every year
Cons
- No travel or lifestyle-related benefits
- Low reward rate across all spends
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for this credit card through both offline as well as online mode. To apply online, you have to visit the official website of IndusInd Bank and fill out the application form. However, consumers, who want to apply offline, can visit the nearest branch of IndusInd Bank.
Yes, IndusInd Bank Duo Card lets you earn reward points on transactions via both credit and debit card. However, the reward points offered on the first transaction through the debit card are much better than the reward points offered on credit card transactions.
The interest-free period offered on this credit card is up to 50 days. However, this interest-free period is not applicable if the total amount due is not paid in full.
Yes, you can withdraw cash using your IndusInd Bank Duo Credit Card. However, the bank will charge a cash advance fee of 2.5% of the withdrawn amount. Therefore, it is advisable not to withdraw cash using a credit card.
No, you cannot earn reward points on fuel transactions. However, you can avail a fuel surcharge waiver of 1% across all petrol pumps in the country. This waiver can be availed only on transactions between Rs. 500 and Rs. 3,000.
The over limit charges for IndusInd Bank Duo card is 2.5% of the over limit amount. However, the bank charges a minimum over limit charge of Rs. 500.
Footnotes
- These are monthly deals and are subject to change from time to time.
- All the activation benefits can be availed within 60 days of card issuance or account opening.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
