IndusInd Bank Credit Card Against FD

Given below are some of the IndusInd Bank Credit Cards against FD along with their features & benefits:

IndusInd Platinum Credit Card

IndusInd Platinum is a lifetime free credit card. It offers reward points on every spend along with easy redemption options. You can use your reward points for cash credit or convert them into airline miles. Here are some of the common benefits of IndusInd Platinum Credit Card.

Joining Fee: Nil
Annual Fee: Nil

Key Features and Benefits: 

• 1.5 reward points per Rs. 150 spent
• 1 RP = Rs. 0.40 against cash credit redemption
• Convert reward points into KrisFlyer Miles at a value of 400 Reward Points = 100 KrisFlyer Miles
• 1% fuel surcharge waiver on all fuel spends across the country, on transactions between Rs. 500 to Rs. 3,000

IndusInd Platinum Aura Edge Credit Card

IndusInd Platinum Aura Edge is a lifetime free credit card designed for individuals who want flexible rewards across multiple spending categories. With no joining fee and no annual fee, it stands out for offering accelerated Savings Points across everyday, travel, and entertainment spends, making it a well-rounded option for consumers who are looking for an entry-level card. Below mentioned are some of the key features and benefits of this card:

Joining Fee: Nil
Annual Fee: Nil

Key Features and Benefits:

• 4 Saving Points on every Rs. 100 spent on shopping at departmental stores, grocery, hotel bookings and restaurant bills
• 2 Saving Points on every Rs. 100 spent on the purchase of consumer durable or electronic items, shopping at departmental stores and payments in bars and pubs
• 2.5 Savings Points on every Rs. 100 spent on flight tickets
• 1.5 Savings Points on every Rs. 100 spent on restaurant bills, books, medical expenses, movie tickets, car rentals & train tickets
• 1.4 Savings Points on every Rs. 100 spent on insurance, cellphone and electricity bills
• 0.5 Savings Points on every Rs. 100 spent on other categories
• Redeem accumulated reward points against cash credit at a value of 1 Reward Point = Rs. 0.40
• 400 RPs = 100 Krisflyer Miles

IndusInd Bank Duo Card

Key Features and Benefits:

• Up to 20% off on BigBasket and Zomato
• 1 reward point per Rs. 150 spent
• BOGO movie offer on BookMyShow, monthly
• 1% fuel surcharge waiver on all fuel spends on transactions between Rs. 500 and Rs. 3,000
• Low forex markup fee of 2% 

EazyDiner IndusInd Bank Platinum Credit Card

EazyDiner IndusInd Bank Platinum Credit Card is a lifetime free dining-focused credit card designed for consumers who frequently dine out and want to maximize savings at premium restaurants. With zero joining and annual fees, it offers strong value for the cardholders who regularly use EazyDiner platform. Here are some of the common features and benefits of EazyDiner IndusInd Bank Platinum Credit Card: 

Joining Fee: Nil
Annual Fee: Nil

Key Features and Benefits:

• 25% discount up to 50% off on dining with 3 months EazyDiner Prime membership worth Rs. 1,095
• Exclusive benefits like 2X EazyPoints, redeemable across hotel stays, free meals and 500 bonus EazyPoints with EazyDiner Prime membership (3 months)
• EazyDiner Prime membership renewed with a minimum spend of Rs. 30,000, every 3 months
• Additional Rs. 500, up to 20% off on payment via PayEazy (valid for up to three times in a month)
• 2 reward points per Rs. 100 on other spends
• 2000 bonus reward points on spending of Rs. 30,000 every 3 months

Steps to apply for an IndusInd Bank Credit Card Against FD online are mentioned below:

Step 1: Open a Fixed Deposit with IndusInd Bank. The FD amount will decide your credit limit.

Step 2: Fill out the online application form for an IndusInd bank credit card against the FD.

Step 3: Complete KYC by submitting identity, address proof, and FD details.

Step 4: After verification, the bank approves the request and issues your FD-backed credit card.

What is an IndusInd Bank credit card against FD, and who should apply for it?
IndusInd Bank credit card against FD is an entry-level card for beginners, students, or individuals with no credit history. Since the card can be backed by your FD, approval chances are higher, and it helps build or improve your credit score responsibly.

How can I apply for an IndusInd credit card backed by FD?
You can apply for an FD-backed credit card by first opening a Fixed Deposit with IndusInd Bank, as your credit limit is usually issued against the FD amount. After that, submit the application for an IndusInd Bank credit card against FD online or at a branch, complete the KYC process with the required documents, and once verified, the bank will approve and issue your secured credit card.

How is credit limit decided for an FD-backed credit card?
Credit limit is typically 75% to 90% of your Fixed Deposit amount. For example, if you open an FD of Rs. 50,000, your credit limit may range between Rs. 37,500 and Rs. 45,000, depending on the bank’s policy.

Can I convert reward points into airline miles?
Yes. Reward points earned on eligible IndusInd credit cards can be converted into KrisFlyer Miles. For example, credit card like IndusInd Platinum Aura Edge offers 400 Reward Points = 100 KrisFlyer Miles, making it beneficial for frequent travellers.

Can beginners build a credit score with a secured credit card?
Yes, an FD-backed card is one of the safest ways to start your credit journey. As an entry-level card for beginners, it allows you to build a strong credit score by paying bills on time and keeping utilization low, eventually helping you qualify for unsecured premium cards.