IndusInd Bank Indulge Credit Card
Travel
Movies
Reward Points
1st Year Fee: ₹75,000* Plus Applicable Taxes
Travel
16 international lounge visits/ year
Lifestyle
Unlimited golf lessons and games
Movie
Buy 1 Get 1 Offer on BookMyShow
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About IndusInd Bank Indulge Credit Card
IndusInd Bank Indulge Credit Card is a premium card with a pure 22K gold inlay and no pre-set spending limit. It offers benefits across multiple categories such as dining, travel, lifestyle, and entertainment, making it an all-rounder option for high spenders. While the card caters to various categories, its reward rate is comparatively low at 1.5%, especially when compared to similar cards like HDFC Diners Club Black (3.33% value-back) and ICICI Emeralde Private (3% value-back). However, the card somewhat compensates for the lower earning rate by offering reward redemption at a 1:1 ratio (1 RP = Rs. 1) against cashback.
Besides rewards, the card offers limited travel benefits, such as a low forex markup fee of 1.8% and 16 complimentary international lounge visits per year. Whereas, other cards with a similar annual fee offer unlimited international lounge visits worldwide, which gives them an edge for frequent travellers.
However, the Indulge Card enhances its overall value with lifestyle benefits like unlimited complimentary golf games & lessons, free movie tickets, and dining discounts. Overall, IndusInd Bank Indulge Credit Card is a reasonable option for high spenders who are looking for a card with premium lifestyle 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.
Rewards & Travel Benefits
Reward Earning
- 5 reward points for every Rs. 100 spent across all categories
- 0.70 reward points for every Rs. 100 spent on utility, insurance, govt. transactions, and education related expenses
Reward Redemption
- Redeem reward points against cash credit at a value of 1 RP = Rs. 11
- Convert reward points into KrisFlyer Miles at a value of 200 Reward Points = 100 KrisFlyer Miles2
- Redeem reward points against gift vouchers, or products from the rewards catalogue
Travel Benefits
- Low forex markup fee of 1.8%
Other Features & Benefits
Golf Benefit
- Unlimited golf games and lessons at regular golf clubs
- 4 complimentary golf games in a month at premium golf clubs
Entertainment Benefit
- Buy One Get One offer on BookMyShow, capped at Rs. 700 per ticket, thrice a month
- Additional Rs. 50 off on BookMyShow on selecting the F&B option
- Exclusive offers on select theatres, events and more
Dining Benefit
- Rs. 3,000 off on dining bills at 100+ partner restaurant bills, twice a year via EazyDiner
IndusInd Bank Indulge Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 75,000 + Applicable Taxes | ||||||||||||||||
| Annual Fee | Rs. 10,000 + Applicable Taxes | ||||||||||||||||
| Finance Charges | 1.79% p.m. | 21.48% p.a. | ||||||||||||||||
| Late Payment Fee |
|
Things to Know Before you apply
Get this card if
You are looking for a premium credit card with luxury lifestyle benefits such as unlimited golf games
You are ready to pay a high joining fee of Rs. 75,000
You prefer to redeem reward points against cashback to maximize value back
You want a credit card with no pre-set spending limit
Eligibility Criteria
Minimum Age Requirement: 21 years
Income Requirement: Rs. 36 Lakh per annum
Income Requirement: Rs. 42 Lakh per annum
Paisabazaar Review
What do we like about this card?
IndusInd Bank Indulge Credit Card is a premium card with a 22K gold inlay and no pre-set credit limit. While the card offers a relatively low reward rate of 1.5 points per Rs. 100 spent, especially considering its high joining fee, it compensates with a 1:1 reward redemption value against cash credit. In addition, benefits like unlimited complimentary golf games and lessons, free movie tickets, dining discounts, a low forex markup fee, and complimentary international lounge access make this card an all-rounder option for premium consumers.
Pros
- No pre-set spending limit
- Low forex markup fee of 1.8%
- Reward redemption against cashback at a 1:1 ratio
- Unlimited complimentary golf games and lessons
- Buy 1 Get 1 Offer on BookMyShow
- Dining discount of up to Rs. 6,000 per year via EazyDiner
Cons
- Very high joining fee of Rs. 75,000
- Low reward earning rate of 1.5% across all spends
Conclusion
While IndusInd Bank Indulge Credit Card is a premium card, it lags behind when compared to similar cards like HDFC Diners Club Black and ICICI Emeralde Credit Card. These cards offer a reward rate of up to 3.33% along with significantly better travel benefits such as unlimited complimentary lounge access worldwide. The Indulge Card falls short due to its lower reward rate of 1.5%, and limited international lounge visits. For a card that charges an annual fee of Rs. 10,000, consumers would reasonably expect better value-back and enhanced travel benefits.
Frequently Asked Questions
Everything you need to know about this credit card
To apply for this credit card, you must be at least 21 years old. If you are a salaried individual, your annual income should be Rs. 36 Lakh or more. For self-employed individuals, the required annual income is Rs. 42 Lakh or more.
You can apply online by visiting the official website of IndusInd Bank and submitting a duly filled application form. Alternatively, you can also apply offline by visiting the nearest IndusInd Bank branch in person.
Yes, the card offers 16 complimentary international lounge visits per year (maximum 4 per quarter) through Priority Pass.
IndusInd Bank Indulge Credit Card comes with no pre-set spending limit. However, each transaction’s approval is subject to your eligibility and IndusInd Bank’s internal policies.
Yes, you can avail the Buy 1 Get 1 offer up to 3 times per month on ticket bookings via BookMyShow. You can save up to Rs. 700 on the second ticket. Additionally, the card also offers an extra Rs. 50 discount on selecting the F&B option.
Yes, you can redeem accumulated reward points against cashback at a value of 1 Reward Point = Rs. 1.
Footnotes
- Maximum reward points allowed for cash redemption is capped at 10,000 points per month.
- Maximum of 10,000 reward points can be redeemed against KrisFlyer Miles in a month.
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.
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