IndusInd Bank Indulge Credit Card
IndusInd Bank · Open to apply
IndusInd's 22K-gold-inlay card with no preset spending limit and the bank's lowest interest rate (1.79% a month). It earns 1.5 reward points per ₹100, each worth ₹1 as cash credit, with a 1.8% forex markup, a 1% fuel surcharge waiver and a domestic lounge allowance that needs ₹5 lakh of spend a quarter.
- Annual fee
- ₹10,000 + GST a year
- Joining fee
- ₹75,000 + GST
- Fee waiver
- Annual fee waived on ₹10,00,000 spend per card year
- Base rate
- 1.5 reward points per ₹100: 1.5 IndusInd Reward Points per ₹100 (about 1.5% at cash value)
- Lounges
- Domestic: 6 visits a calendar quarter after ₹5,00,000 spend; International: 4 visits a calendar quarter
- Forex markup
- 1.8%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No reward points on fuel
Terms the calculator does not value
- The Indulge microsite's welcome gifts and concierge programmes are not described with numbers in the pages read, so they are not entered. The MITC lists Priority Pass as not available for some cards but does not name Indulge.
- Airline-mile redemption partners and ratios for Indulge are not stated in the pages read (the Club Vistara and InterMiles routes closed in 2024 and 2025); only cash credit at ₹1 a point is entered.
Sources
- IndusInd Bank, Indulge Credit Card page and microsite (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Indulge microsite, Freedom (Indulge Rewards and terms) (Reward terms, the bank's own, read 6 Nov 2026)
- IndusInd Bank, Indulge Credit Card page (eligibility, international lounge and golf notices) (Product page, the bank's own, read 6 Nov 2026)
- IndusInd Bank, fuel surcharge waiver terms page (fuel earns no reward points since 1 Apr 2018) (Schedule of charges, the bank's own, read 6 Nov 2026)