Best Indusind Bank Credit Card 2024: Eligibility, Features & Benefits

IndusInd Bank offers a diverse range of credit cards designed to cater to the various financial needs and preferences of its customers.

These credit cards come with a host of features and benefits, including complimentary airport lounge access, cashback rewards, dining privileges, and exclusive offers.

IndusInd Bank places a strong emphasis on customer satisfaction, ensuring that cardholders receive top-notch service.

The bank credit cards also offer the convenience of contactless payments and access to a wide network of merchants both in India and abroad.

Whether you’re a frequent traveler, a shopping enthusiast, or someone looking for a card that fits your lifestyle, IndusInd Bank’s credit card offerings provide options to meet diverse requirements.

Indusind Bank Credit Card 2024

To choose the best IndusInd Bank credit card for your needs, it’s important to consider your specific financial goals and spending habits. Begin by assessing your requirements, such as whether you prioritize travel rewards, cashback, or exclusive privileges.

Next, take into account your income level, as some cards may have income eligibility requirements. Consider factors like the annual fee, interest rates, and associated charges, and determine how they align with your budget.

Assess the rewards and benefits associated with each card – whether it’s travel miles, dining discounts, or shopping rewards – and evaluate which aligns with your lifestyle. Don’t forget to check for any promotional offers or tie-ups with partner merchants that can enhance the card’s value.

Lastly, read the fine print, terms, and conditions to fully understand the card’s features, limitations, and any hidden costs. This comprehensive evaluation will help you select the best IndusInd Bank credit card that suits your financial needs and lifestyle.

IndusInd Bank Credit CardFees
IndusInd Bank Legend Credit CardNil on Paisabazaar
EazyDiner IndusInd Bank Credit CardRs. 1,999
IndusInd Bank Platinum Credit CardRs. 3,000
IndusInd Bank Avios Visa Infinite Credit CardRs. 40,000
IndusInd Bank Platinum Aura Edge Credit CardRs. 500

Credit Card Sourcing Partnerships

The bank has established strategic partnerships with a select group of credit card sourcing partners to facilitate the distribution and acquisition of credit cards under referral arrangements.

These valued collaborators include Paisabazaar, operated by Paisabazaar Marketing & Consulting Private Limited, Bankbazaar, which is powered by A&A Dukaan Financial Services Private Limited, Wishfin, operating under Mywish Marketplaces Private Limited, Indialends, affiliated with GC Web Ventures Private Limited, and Bajaj Markets, a venture of Bajaj Finserv Direct Limited.

Through these partnerships, the bank enhances its outreach and accessibility, ensuring that customers have a wide range of choices when it comes to selecting the right credit card that aligns with their financial needs and preferences.

These collaborations represent a testament to the bank’s commitment to providing comprehensive and diverse financial solutions to its customer base, enabling a more convenient and tailored approach to credit card acquisition.

Features & Benefits

IndusInd Bank offers a diverse range of credit cards with a multitude of features to cater to various financial needs and lifestyles.

Their credit cards come with different joining and annual fees, which vary based on the specific card variant you choose.

With competitive finance charges of up to 3.83% per month (equivalent to 46% per annum), it’s crucial to manage your outstanding balances effectively to avoid high interest costs.

IndusInd Bank also has a tiered late payment fee structure that depends on the outstanding amount. For instance, if your outstanding amount is up to Rs. 100, there’s no late payment fee.

However, for amounts between Rs. 101 to Rs. 500, you’ll be charged a late payment fee of Rs. 100, and the fee increases with higher outstanding amounts.

Understanding the fees and charges associated with your specific IndusInd Bank credit card is essential to make informed financial decisions and maximize the benefits of your chosen card.

  • Pros

  • Cons

  • Diverse card options for different needs.
  • Rewards, including cashback and discounts.
  • Attractive welcome offers for new cardholders.
  • Complimentary insurance coverage on some cards.
  • EMI facilities for managing large purchases.
  • Annual fees for most cards.
  • High finance charges for unpaid balances.
  • Some premium cards have high eligibility criteria.
  • Significant late payment fees.
  • Limited acceptance in some locations.
  • Foreign transaction fees for international spending.

Fees & Charges

Fee TypeCharges
Joining/Annual FeeVaries from one card variant to another
Finance ChargesUp to 3.83% p.m. (46% p.a.)

Eligibility Criteria

  • Age: Minimum 18 years, with an upper age limit of 75 years.
  • Income: A minimum net monthly income of Rs. 20,000 is required.
  • Occupation: Both salaried and self-employed individuals are eligible to apply.
  • Credit score: A good CIBIL score is necessary for eligibility.


  • No physical documents needed.
  • Have your Aadhaar and PAN number ready to expedite the application.
  • Provide proof of residence if your current address differs from the one in Aadhaar.

How to Apply Indusind Bank Credit Card Online?

  • Visit the official IndusInd Bank website.
  • Explore available credit card options.
  • Check eligibility criteria.
  • Fill out the online application form.
  • Submit required documents (ID, address, income proof).
  • Choose your preferred credit limit if applicable.
  • Review terms and conditions.
  • Submit your application online.
  • Bank reviews your application and documents.
  • Await approval and card delivery.
  • Activate your new credit card.
  • Start using the card for transactions.

Other Indusind Bank Credit Cards

Credit Card
IndusInd Bank Platinum Card
IndusInd Bank Signature Legend Credit Card
IndusInd Bank Signature Credit Card
IndusInd Bank Duo Card
IndusInd Bank Crest Credit Card
IndusInd Bank Pioneer Heritage Credit Card
IndusInd Bank Pioneer Legacy Credit Card
ePay Amex Credit Card
IndusInd Bank Platinum Aura Edge Visa/Master Credit Card
Platinum Master Credit Card
InterMiles Odyssey Amex Credit Card
InterMiles Odyssey Visa Credit Card
InterMiles Voyage Amex Credit Card
InterMiles Voyage Visa Credit Card

IndusInd Bank, established in 1994, has a history marked by growth and innovation in the Indian banking sector.

The bank’s founder, Srichand P. Hinduja, envisioned a financial institution that would provide superior customer service, and that vision has guided the bank’s development.

Over the years, IndusInd Bank has built a strong presence in India with a focus on customer-centric solutions. The bank’s services encompass retail banking, corporate banking, and various financial products, serving a broad customer base.

Its commitment to innovation is evident in the adoption of modern banking technologies and digital services, making banking more convenient for its customers.

IndusInd Bank history reflects a journey of progress and a commitment to delivering comprehensive financial solutions.

What is the minimum salary required for IndusInd Bank credit card?

The minimum salary required for an IndusInd Bank credit card can vary depending on the specific card variant you are interested in. IndusInd Bank offers a range of credit cards with different income eligibility criteria. It’s essential to check the specific requirements for the card you are interested in on the bank’s official website or by contacting the bank directly.

What are the benefits of IndusInd Legend credit card?

The IndusInd Legend Credit Card offers several benefits, including a 1.8% forex mark-up fee, which is advantageous for international travelers. Cardholders can also enjoy the “Buy 1 get 1” offer on BookMyShow movie tickets, making entertainment more affordable. However, it’s important to check for the latest benefits and features associated with this card, as they may be subject to change.

Is IndusInd Bank credit card free?

Whether an IndusInd Bank credit card is free or comes with an annual fee depends on the specific card variant you choose. IndusInd Bank offers a variety of credit cards, some of which have no annual fee (they are free) while others may have an annual fee. It’s important to check the annual fee associated with the specific card you are interested in before applying to understand the cost and benefits associated with it.

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