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Key Features of IndusInd Bank Credit Cards

  • Wide Range of Cards: Lifestyle, Travel, Shopping, Fuel, and Premium cards.
  • Reward Points: Earn points on every spend, redeemable for vouchers, flights, and more.
  • Contactless Payments: Secure NFC-enabled tap-and-pay feature.
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • EMI Conversion: Convert big purchases into easy EMIs.
  • Complimentary Airport Lounge Access: Available on select cards.
  • Fuel Surcharge Waiver: Get waived off fuel charges at petrol pumps.
  • Dynamic Currency Conversion: Hassle-free international transactions.
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Benefits of IndusInd Bank Credit Cards

  • Cashback & Discounts: Exclusive offers on dining, shopping, and travel.
  • Welcome Benefits: Bonus reward points or gift vouchers on activation.
  • Insurance Cover: Air accident cover, lost card liability, and purchase protection.
  • Flexible Repayment: Choose between full payment or minimum due.
  • 24/7 Customer Support: Dedicated helpline and mobile banking support.
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How to Apply for IndusInd Bank Credit Card?

  • Online Application: Visit IndusInd Bank website or mobile app.
  • Fill Details: Enter personal, employment, and income details.
  • Upload Documents: Submit KYC & income proofs.
  • Verification: Bank representative may contact you.
  • Approval & Dispatch: Card delivered within 5-7 working days.

Eligibility Criteria

  • Age: 21 to 65 years (Primary), 18+ (Add-on).
  • Income: Minimum ₹3 LPA (varies per card).
  • Credit Score: 750+ preferred.
  • Documents Required: PAN, Aadhar, Income Proof, Bank Statements.
  • Residency: Applicant must be an Indian resident with a valid residential address and official ID proof.
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Factors to Consider Before Applying

  • Interest Rate & Fees: Check annual fees, joining fees, and APR.
  • Credit Limit: Based on income and credit history.
  • Reward Structure: Compare reward points, cashback, and redemption options.
  • Acceptance: Ensure the card is widely accepted (Visa/Mastercard/Rupay).
  • Offers & Discounts: Look for exclusive deals on shopping, travel, and dining.

Best Ways to Use IndusInd Credit Card

  • Maximize Rewards: Use for high-spend categories like travel & shopping.
  • Pay Bills on Time: Avoid late fees and interest charges.
  • EMI Facility: Convert large purchases into interest-free EMIs.
  • Contact less Payments: Faster and secure transactions via NFC.
  • Track Spending: Use IndusInd Mobile App for expense management.

Frequently Asked Questions

What is the joining fee for IndusInd Credit Cards?
Fees vary per card (e.g., basic cards may have ₹500–₹1,000, premium cards ₹3,000+). Some cards offer first-year free.
How to check IndusInd Credit Card application status?
Visit the bank’s website or call customer care.
Does IndusInd offer a credit limit increase?
Yes, based on usage and repayment history. Request via net banking or customer care.
How to redeem IndusInd reward points?
Log in to net banking/mobile app → Rewards section → Redeem for vouchers, flights, or cashback.
Is there a fuel surcharge waiver?
Yes, most cards offer a 1% waiver at fuel stations (min. transaction required).
Can I convert purchases into EMIs?
Yes, through IndusInd EMI facility (terms apply).
What is the interest-free period?
Up to 50 days (varies per billing cycle).
How to report a lost/stolen card?
Call customer care immediately or block via mobile app.

List of IDFC FIRST Bank Credit Cards in India