Welcome to our in-depth guide on the best IndusInd Bank Credit Cards. Here, we shed light on the unique features, benefits, fees, and reward rates of their extensive card offerings. IndusInd Bank provides a wide range of credit cards that cater to diverse lifestyles and spending habits. Plus, we answer the most frequently asked questions about IndusInd Bank Credit Cards.

IndusInd Bank Platinum Aura Credit Card

Ideal for individuals seeking rewards and savings on everyday expenses.

  • Annual Fee: Nil
  • Reward Rate: Up to 4 reward points per ₹100 spent.
  • Key Features: Insurance cover, fuel surcharge waiver, and travel benefits.
IndusInd Bank Platinum Credit Card

A premium credit card offering a wide range of benefits across various categories.

  • Annual Fee: Nil
  • Reward Rate: 1.5 reward points per ₹150 spent.
  • Key Features: Complimentary golf lessons, travel benefits, and insurance cover.
IndusInd Bank Signature Credit Card

Created for high-income individuals, offering premium services and rewards.

  • Annual Fee: ₹50,000
  • Reward Rate: 1.5 reward points per ₹100 spent.
  • Key Features: Personal travel and lifestyle concierge, access to airport lounges worldwide, and insurance benefits.
IndusInd Bank Iconia Credit Card

Designed for frequent shoppers, with rewards across various categories.

  • Annual Fee: ₹3,500
  • Reward Rate: Up to 2 reward points per ₹100 spent.
  • Key Features: Golf privileges, travel and lifestyle benefits, and personal air accident insurance cover.
IndusInd Bank Pinnacle Credit Card

A super-premium credit card designed for the internet generation.

  • Annual Fee: ₹10,000
  • Reward Rate: 2.5 reward points per ₹100 spent on online purchases.
  • Key Features: Priority Pass Membership, golf privileges, and insurance cover.
IndusInd Bank Duo Card

India’s first 2 EMV Chip Debit cum Credit Card, offers convenience and benefits of both debit and credit cards in one plastic.

  • Annual Fee: ₹1,000
  • Reward Rate: Up to 2 reward points per ₹100 spent on the credit card.
  • Key Features: One card, two strips, two PINs, dual benefits and rewards on both debit and credit card spends.
IndusInd Bank Chelsea FC Credit Card

Designed for Chelsea FC fans, offering football rewards and lifestyle benefits.

  • Annual Fee: Nil
  • Reward Rate: 1 reward point per ₹100 spent.
  • Key Features: Discount at Chelsea FC online megastore, fuel surcharge waiver, and concierge services.
IndusInd Bank WorldMiles Credit Card

A travel card designed to make every journey memorable.

  • Annual Fee: ₹3,000
  • Reward Rate: 3 WorldMiles for every ₹100 spent on airlines and travel portals; 2 WorldMiles on other spends.
  • Key Features: Complimentary Priority Pass membership, travel insurance, and accelerated reward points on travel spends.
IndusInd Bank Crest Credit Card

An invitation-only card offering best-in-class lifestyle benefits.

  • Annual Fee: Nil
  • Reward Rate: 1 Crest point per ₹100 spent.
  • Key Features: Complimentary golf lessons, concierge service, unlimited lounge access, and Taj Epicure Plus Membership.
IndusInd Bank Legend Credit Card

A premium card offering rewards across various categories.

  • Annual Fee: ₹10,000
  • Reward Rate: 1 reward point per ₹100 spent.
  • Key Features: Priority Pass Membership, concierge services, and golf privileges.
IndusInd Bank Nexxt Credit Card

India’s first interactive credit card with buttons, offering the flexibility of three payment options at a POS terminal – Credit, Converting Transactions into EMIs with 4 tenure options or using accumulated Reward Points.

  • Annual Fee: ₹2,999
  • Reward Rate: 1 reward point per ₹150 spent.
  • Key Features: Spend based interest rate starting from 1.5% p.m, waiver of fuel surcharge, and concierge services.
IndusInd Bank Celesta Credit Card

A super-premium credit card, offering a range of lifestyle and travel benefits.

  • Annual Fee: ₹10,000
  • Reward Rate: 1.5 reward points per ₹100 spent.
  • Key Features: Unlimited access to select lounges at airports globally, golf privileges, and travel plus program.
IndusInd Bank Platinum Select Credit Card

Designed for the select few who demand privileges and personalised service.

  • Annual Fee: ₹1,000
  • Reward Rate: 1 reward point per ₹150 spent.
  • Key Features: Complimentary golf lessons, travel benefits, and insurance cover.
IndusInd Bank Classic Credit Card

A basic credit card offering various benefits across multiple categories.

  • Annual Fee: Nil
  • Reward Rate: 0.5 reward points per ₹100 spent.
  • Key Features: Add-on card facility, fuel surcharge waiver, and Lost Card Liability.
IndusInd Bank Pioneer Heritage Credit Card

A card designed exclusively for Pioneer Banking customers, offering premium benefits and rewards.

  • Annual Fee: Nil
  • Reward Rate: 1.5 reward points per ₹100 spent.
  • Key Features: Unlimited free access to lounges at airports globally, golf lessons, and concierge services.

Please remember, the details, including the terms, conditions, reward rates, and fees associated with each credit card may vary. Always check the latest updates on the official IndusInd Bank website to make the best decision for your financial and lifestyle needs.


What is an IndusInd Bank Credit Card?

An IndusInd Bank Credit Card is a financial tool that allows you to make transactions on credit, making shopping and payments more convenient and rewarding with features like cashback, reward points, and unique benefits.

How can I apply for an IndusInd Bank Credit Card?

You can apply for an IndusInd Bank Credit Card online through their official website or visit any IndusInd bank branch. Make sure you meet the eligibility criteria before applying.

What types of credit cards are offered by IndusInd Bank?

IndusInd Bank offers several types of credit cards tailored to different needs, including lifestyle, travel, business, and rewards credit cards. Some popular choices are Signature Credit Card, Platinum Credit Card, and Iconia Credit Card.

What is the eligibility criteria for applying for an IndusInd Bank Credit Card?

The eligibility criteria for an IndusInd Bank Credit Card include a good credit score, a regular source of income, and being above the age of 18. The specific criteria may vary depending on the type of card.

How can I check my IndusInd Bank Credit Card application status?

You can check your IndusInd Bank Credit Card application status online through the IndusInd Bank’s official website by entering your application reference number and mobile number.

What are reward points on IndusInd Bank Credit Cards?

Reward points are a feature of IndusInd Bank Credit Cards, which you earn on every transaction. These points can be redeemed for a range of rewards including gift vouchers, products, flight tickets and more.

How can I redeem my reward points on an IndusInd Bank Credit Card?

You can redeem your reward points through the IndusInd Bank’s online banking portal, where you can browse the reward catalog and choose the reward you wish to redeem.

How can I pay my IndusInd Bank Credit Card bill?

You can pay your IndusInd Bank Credit Card bill online through net banking, mobile banking app, NEFT, or auto-debit. You can also pay offline by visiting the nearest branch.

What should I do if I lose my IndusInd Bank Credit Card?

If you lose your IndusInd Bank Credit Card, immediately report the loss to the IndusInd Bank customer service hotline to protect against unauthorized transactions.

Is there a foreign transaction fee on IndusInd Bank Credit Cards?

Yes, IndusInd Bank charges a foreign transaction fee on international transactions. The rate may vary depending on the type of card you have.

How can I increase my credit limit on my IndusInd Bank Credit Card?

To increase your credit limit on your IndusInd Bank Credit Card, you can request it through the bank’s customer service. The bank will assess your eligibility based on factors like your credit history and existing financial obligations.

Can I link my IndusInd Bank Credit Card to my savings account?

Yes, you can link your IndusInd Bank Credit Card to your IndusInd savings account. This will allow for easier management of your finances.

What are the fees and charges associated with IndusInd Bank Credit Cards?

The fees and charges associated with IndusInd Bank Credit Cards include annual fees, late payment fees, over limit charges, and foreign transaction fees. The exact structures vary depending on the type of card.

Can I convert my purchases into EMI with my IndusInd Bank Credit Card?

A: Yes, with the IndusInd Bank Easy EMI option, you can convert purchases on your IndusInd Bank Credit Card into easy monthly installments.

Are there any additional benefits to using an IndusInd Bank Credit Card?

Additional benefits of using an IndusInd Bank Credit Card include complimentary insurance covers, concierge services, offers on dining, travel, and shopping, and access to airport lounges.