IndusInd Bank
IndusInd Bank Indus Solitaire Credit Card
Data last verified: 11 October 2026
- Joining fee₹30,000 + 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₹30,000 + GST
- Annual fee₹10,000 + GST
- Fee waiverOn ₹10 lakh spend a year
- Forex markup0%
- Interest (APR)3.83% a month, 45.96% a year
01IndusInd Bank Indus Solitaire Credit Card Rewards and Benefits
02IndusInd Bank Indus Solitaire Credit Card Annual Fee and Charges
- Joining fee
- ₹30,000 + 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
- 0%
- Interest rate
- 3.83% a month (45.96% 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: 32 airport lounge visits a year
- Spending abroad: 0% 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 3.83% a month (45.96% a year) outweighs any reward
04How IndusInd Bank Indus Solitaire 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: 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 |
Terms on the base 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
Point value. 1 point is worth about ₹0.5 at the bank's stated value.
05IndusInd Bank Indus Solitaire Credit Card Lounge Access and Travel
Domestic lounge access is 16 visits a year, international is 16 visits a year. Spend Rs 500,000 in the previous quarter for domestic lounge access. Spending abroad carries a 0% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, golf privileges, hotel membership, airport lounge access.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹400 to ₹4,000, and IndusInd applies no ceiling (w.e.f 5 May 2024). The fuel spend itself earns no reward points.
- Golf privileges: Mastercard World Elite golf programme, 12 complimentary green fees a year (no more than 3 in a calendar quarter), 12 complimentary lessons a year (also 3 a quarter), and 4 guest green fees a year (1 a quarter), booked through Mastercard's golf portal.
- Hotel membership: Complimentary Taj Epicure membership, plus EazyDiner Prime and Moneycontrol Pro memberships
- Airport lounge access: Up to 32 lounge visits a year for the primary cardholder, 4 international a calendar quarter (LoungeKey), plus 4 within India a quarter which from Jul-2026 need ₹5,00,000 of spend in the previous quarter. Supplementary cards get the same quota; guest visits are chargeable.
06IndusInd Bank Indus Solitaire Credit Card Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What IndusInd Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 Jun 2026 | Changed: Late-payment charges waived; exempted from the new surchargesSource: IndusInd Bank | Late-payment charges applied per the standard grid | Late-payment charges waived; no fuel or transport surcharge |
| 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: Cash redemption fee raised to ₹149 and capped at 50% of balanceSource: IndusInd Bank | Lower redemption fee; full balance redeemable | ₹149 + GST per cash redemption; max 50% of balance |
| 15 Dec 2023 | Changed: Indus Solitaire launched with the diamond-industry banking programmeSource: IndusInd Bank | - | - |
See this card's change history → · All card changes in June 2026 →
08Cards Similar to IndusInd Bank Indus Solitaire Credit Card
IndusInd Bank Indus Solitaire 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 Indus Solitaire Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹30,000 + 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 | 16 visits a year | Unlimited | Not included |
| Forex markup | 0% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your IndusInd Bank Indus Solitaire Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the IndusInd Bank Indus Solitaire Credit Card?
The joining fee is ₹30,000 + 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 Indus Solitaire Credit Card?
The annual fee is ₹10,000 + GST.
Does the IndusInd Bank Indus Solitaire Credit Card give airport lounge access?
Yes. Domestic lounge access is 16 visits a year, international is 16 visits a year. 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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