Is the IndusInd Bank Indus Solitaire Credit Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Rewards card
- ₹11,800 fee a year (with GST)
- Fee waived from ₹83,333 a month
- 0.5% on most spends
- 32 lounge visits a year
- Pays in reward points
- spending ₹83,333 or more a month: the ₹11,800 fee is waived
- flyers: 32 airport lounge visits a year
- spending abroad: 0% markup, most cards add 3.5%
- you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹11,800 fee is then charged
- most of your spending is fuel: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you sometimes pay only the minimum due: interest of 3.83% a month (45.96% a year) outweighs any reward
Your spend a month, by kind
Terms on the normal rate: 1 reward point per ₹100; redeem at ₹0.50/point for cash, or transfer to Singapore Airlines KrisFlyer at 5 reward points = 4 miles (minimum 500 points) where value can be higher
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 0.5% | No cap | The card's normal rate | - |
| Dining and food delivery | 0.5% | No cap | The card's normal rate | - |
| Groceries | 0.5% | No cap | The card's normal rate | - |
| Travel: flights, hotels, trains | 0.5% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.35% | No cap | All merchants in the categoryTerms: Reduced 0.70 reward points per ₹100 on utility bill payments (MCC 4900). Insurance, government, education, real-estate and rent spends earn the same reduced rate and are scored on their own rows. | - |
| Rent | 0.35% | No cap | All merchants in the categoryTerms: Reduced 0.70 reward points per ₹100 on rent and real-estate payments. IndusInd's current product page names both; its April-2024 detailed T&C MCC list does not, the newer page governs. The Solitaire is exempt from IndusInd's 1% third-party rent fee. | - |
| Insurance premiums | 0.35% | No cap | All merchants in the categoryTerms: Reduced 0.70 reward points per ₹100 on insurance premium payments (MCCs 5960 and 6300) | - |
| School and college fees | 0.35% | No cap | All merchants in the categoryTerms: Reduced 0.70 reward points per ₹100 at educational institutions (MCCs 8211, 8241, 8244, 8249 and 8299) | - |
| Wallet top-ups | 0.5% | No cap | The card's normal rate | - |
| Taxes and government payments | 0.35% | No cap | All merchants in the categoryTerms: Reduced 0.70 reward points per ₹100 on government services (MCCs 9211, 9222, 9311, 9399, 9402, 9405 and 8220) | - |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate | - |
| Everything else | 0.5% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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