IndusInd Bank
IndusInd Bank Indulge Credit Card
Data last verified: 24 October 2026
- Joining fee₹75,000 + GST
- Annual fee₹10,000 + GST
- Reward rate0.5% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹75,000 + GST
- Annual fee₹10,000 + GST
- Fee waiverOn ₹10 lakh spend a year
- Forex markup1.8%
- Interest (APR)1.79% a month, 21.48% a year
01IndusInd Bank Indulge Credit Card Rewards and Benefits
02IndusInd Bank Indulge Credit Card Annual Fee and Charges
- Joining fee
- ₹75,000 + GST
- Annual fee
- ₹10,000 + GST
- Spend-based waiver
- Annual fee waived on ₹10 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- ₹100 per request
- Forex markup
- 1.8%
- Interest rate
- 1.79% a month (21.48% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 0.5%₹100
- Back each month, ₹1,200 a year₹100
- Annual fee with 18% GST−₹11,800
- It costs you each year₹10,600
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Spending ₹83,333 or more a month: the ₹11,800 fee is waived
- Flyers: 40 airport lounge visits a year
- Spending abroad: 1.8% markup, most cards add 3.5%
Skip it if…
- 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 1.79% a month (21.48% a year) outweighs any reward
04How IndusInd Bank Indulge Credit Card earns Rewards
0.5% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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: 0.7 reward points per ₹100 on utility bill payments since 20 January 2022, down from the base 1 point per ₹100 |
| Rent | 0.5% | No cap | The card's normal rate |
| Insurance premiums | 0.35% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on insurance premium payments since 20 January 2022, down from the base 1 point per ₹100 |
| School and college fees | 0.35% | No cap | All merchants in the categoryTerms: 0.7 reward points per ₹100 on education institute fees since 20 January 2022, down from the base 1 point per ₹100. IndusInd exempts the Indulge from the rental cut, so rent still earns the base rate |
| 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: 0.7 reward points per ₹100 on government services since 20 January 2022, down from the base 1 point per ₹100 |
| 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 |
Terms on the base rate. Earns 1 reward point per ₹100 on eligible spends (~0.5% at ₹0.50/point); the card is positioned for status, no-preset-limit flexibility and lifestyle perks rather than reward rate
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
05IndusInd Bank Indulge Credit Card Lounge Access and Travel
Domestic lounge access is 24 visits a year, international is 16 visits a year, through Priority Pass with Priority Pass. Spend Rs 500,000 in the previous quarter for domestic lounge access. Spending abroad carries a 1.8% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, fuel surcharge waiver, golf privileges, insurance cover, airport lounge access.
- Concierge service: 24x7 concierge with curated dining, travel and lifestyle privileges
- Fuel surcharge waiver: 1% fuel surcharge reversal on fuel transactions between ₹500 and ₹10,000, with no capping on the reversal, note separately that the fuel spend itself earns no reward points
- Golf privileges: From 10 March 2026: 4 complimentary golf games and 4 complimentary lessons per month at select courses, each conditional on ₹25,000 of spend in the previous billing statement; unused entitlement does not carry forward
- Insurance cover: Travel insurance, personal accident cover and lost-card liability, a separate line item from the air-accident cover, which IndusInd discontinued across its credit cards on 21 December 2025
- Airport lounge access: 4 complimentary international lounge visits per calendar quarter through Priority Pass (since 13 March 2025), plus up to 6 domestic visits a quarter, domestic access unlocked from the July 2026 quarter only by ₹5,00,000 of spend in the previous quarter
06Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Reduced: New transport surcharge; late-payment grid revisedSource: IndusInd Bank | No transport surcharge | 1% + GST transport surcharge above ₹40k/cycle |
| 21 Dec 2025 | Reduced: Complimentary air-accident insurance withdrawnSource: IndusInd Bank | Complimentary air-accident cover provided with the card | No air-accident cover |
| 1 Apr 2025 | Reduced: Redemption fee raised; Pay-with-Rewards value cutSource: IndusInd Bank | Cash redemption fee ₹100; no balance cap | ₹149 + GST cash redemption; twid per-txn fees; 50%-of-balance cap |
| 21 Jan 2025 | Reduced: InterMiles redemption route discontinued | Points → InterMiles | InterMiles route withdrawn |
| 1 Sept 2024 | Reduced: Cash redemption capped at 10,000 points/month | Uncapped cash redemption | Max 10,000 RP/calendar month (Indulge) |
See this card's change history → · All card changes in June 2026 →
07Cards Similar to IndusInd Bank Indulge Credit Card
IndusInd Bank Indulge Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | IndusInd Bank Indulge Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹75,000 + GST | Lifetime free | ₹499 + GST |
| Annual fee | ₹10,000 + GST | Lifetime free | ₹499 + GST |
| Rewards | 0.5% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 24 visits a year | Unlimited | Not included |
| Forex markup | 1.8% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Indulge Credit Card Bill
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Common Questions
What is the joining fee for the IndusInd Bank Indulge Credit Card?
The joining fee is ₹75,000 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the IndusInd Bank Indulge Credit Card?
The annual fee is ₹10,000 + GST.
Does the IndusInd Bank Indulge Credit Card give airport lounge access?
Yes. Domestic lounge access is 24 visits a year, international is 16 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with IndusInd Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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