IndusInd Bank Indulge Credit Card
Card Intro
Welcome Benefits
An Exclusive Credit Card with a pure 22 kt gold inlay and with a no pre-set spending limit.
Interest Free Period
20 to 50 Days
Payment Gateway
Visa Infinite
Card Fees
Joining Fee(once)
Rs. 45,000 to Rs. 2,00,000
Annual Fee(2nd year onwards once)
Annual Fee Nil for Rs. 2,00,000 Joining Fee.
Annual Fee Rs. 10,000 for Rs. 45,000, Rs. 90,000 and Rs. 1,00,000 Joining Fees.
Add-on Card Fee
Nil
Annual Fee Waive off
Nil
Card Features, Rewards and Benefits
Cashback
Nil
Rewards
1.5 Reward Points on every Rs. 100 spent.
0.7 Reward point on Insurance, Utility and Government spends, except Real Estate/Rental Payments and fuel.
Milestone Benefits
Nil
Fuel Surcharge Waiver
1% for transactions between Rs. 400 to Rs. 4000.
Dining
Get Rs.3000 instant discount twice per year on EazyDiner.
Movie Benefits
Buy one movie ticket at Bookmyshow and get upto Rs.700 off on the second ticket for a maximum of 3 bookings in a month and for non-movie tickets get upto 20% off from Visa Infinite Program. Additional Rs 50 off on selecting the F&B option.(BOGO on BookMyShow)
Lifestyle Benefits
Unlimited complimentary Golf rounds.
Travel Benefits:
Reduced Forex Charges and Unlimited lounge access.
Lounge Benefits
For Domestic – 24 complimentary lounge access per year
For International Lounges – Unlimited per year (Complimentary Priority Pass membership).
Hotel Benefits
Nil
Insurance Benefits
Complimentary personal Air Accident Insurance Cover of up to 25 lakhs.
Cover upto Rs. 25,000 for Loss of Travel tickets, Delay of Check-in baggage, Missed flight connection, upto Rs.50,000 for Loss of Passport and upto Rs. 1,00,000 Loss of Check-in baggage.
Insurance Cover benefit equal to credit limit reporting unauthorized transactions within 48 hours of loss/theft of the card.
Concierge Benefits
Exclusive Direct Connect Service.
24×7 concierge service with Auto Assist services like Roadside repair service, Emergency fuel supply, Emergency towing assistance, etc
Health Benefits
Nil
Card Charges
Cash Payment fees at branches
Rs.100
Cash Withdrawal Fees or Cash Advance Fees
2.5% (Min. Rs. 300) of the cash amount
Card Replacement Fees
Rs. 5,000
Charge slip Retrieval Fee
Rs. 300
Cheque Payment Fee
N/A
DCC Markup Fees(Dynamic & Static Currency Conversion Markup Fee)
1% on International transaction
Duplicate Statement Fee
Rs.100 per statement (beyond last 3 months)
Emergency Card Replacement (When Abroad)
N/A
EMI Processing Fees
Rs. 249
Finance Charges
1.79% per month (21.48% per annum)
Foreign Currency Transaction fee(Forex Charges)
1.8% of the transaction value
Late Payment charges
Nil if Total Payment Due Up to Rs. 100
Rs. 100 if total payment due is between Rs. 101 – Rs. 5,00
Rs. 350 if total payment due is between Rs. 501 – Rs. 1,000
Rs. 550 if total payment due is between Rs. 1001 – Rs. 10,000
Rs. 800 if total payment due is between Rs. 10,001 – Rs. 25,000
Rs. 1100 if total payment due is between Rs. 25,001 – Rs. 50,000
Rs. 1300 if total payment due is greater than Rs.50,000
Outstation Cheque Fee
–
Over Limit Fees
2.5% of the over limit amount (Min Rs. 500)
Payment (cheque/ECS/NACH/Auto Debit Reversal) Dishonor Fees
Rs.250
Payment of Customs duty
N/A
Priority Pass Lounge Charges
$27 per person per visit + taxes
Railway Tickets Surcharge
As prescribed by IRCTC / Indian Railways
Rental Transaction Fee
1% per transaction
Reward Points Redemption Fee
Rs. 100
Any Other Charges
Balance Enquiry Charges on Non IndusInd Bank ATMs – Rs. 25
Terms & Conditions!
* Goods & Service Tax(GST) applicable on all fees, interest and other charges. All fees, charges, rewards, or any other terms can change at any time. Always read the Terms and Conditions on the Bank’s page.