IndusInd Bank Vṛddhi Business Card

IndusInd Bank · Open to apply

IndusInd's premium business card at ₹10,000 joining and ₹4,999 annual fee: 2 reward points per ₹100 (4 on international spends), 3 lounge visits a quarter, a ₹10,000 Vouchagram voucher welcome benefit, 1.99% monthly interest and a 1.89% forex markup.

Annual fee
₹4,999 + GST a year
Joining fee
₹10,000 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Lounges
Domestic: 3 visits a calendar quarter
Forex markup
1.89%
Data
Terms not entered, checked 6 Nov 2026

Terms the calculator does not value

  • The card's MITC is dated Aug 2023 (PDF creation date) and gives the older IndusInd late-fee slabs (₹350 for ₹501-1,000, ₹550 for ₹1,001-10,000, ₹800 for ₹10,001-25,000); IndusInd's retail MITC of 13 Oct 2026 revised them from 15 Jun 2026 but does not name business cards, so the card's own MITC is kept. The same retail document's rent, utility and transport fees (inherited from the issuer file) are not stated for business cards.
  • Earns 2 reward points per ₹100 and 4 per ₹100 on international transactions, 1,000 points on 6 utility bill payments in the first 6 months, 100 points for early payment, and a ₹10,000 Vouchagram welcome voucher on paying the joining fee (page). No value per point is published for this card, so no earn rule or welcome item is entered. Also on the page: 100% dining discount up to ₹250 and business insurance cover up to ₹5 lakh.
  • Lounge count differs on the page: the headline gives 3 complimentary lounge visits a quarter, while the Visa domestic lounge T&C on the same page says one domestic visit a quarter; entered as 3 (the headline). The spend needed to unlock is not stated.

Sources

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