IndusInd Bank Indulge Credit Card

Card Details

IndusInd Bank Indulge Credit Card
Issuer
IndusInd Bank
Card type
Ultra Premium, Lifestyle
Joining fee
₹75,000 + GST
Annual fee
₹10,000 + GST (Waived on ₹10L spend)
Rewards currency
Reward Points

Highlights

  • Earn 1.5 Reward Points for every ₹100 spent (Flat across all categories).
  • Redeem points against card outstanding balance at a 1:1 value (1 RP = ₹1).
  • Low Foreign Currency markup of 1.8% + GST.

Fees & Spend Waiver

  • Joining Fee: ₹75000 + GST.
  • Annual Fee: ₹10,000 + GST.
  • Spend Waiver: ₹10 Lac in anniversary years.

Exclusivity

  • Exclusivity: First card in the subcontinent with a pure 22K gold inlay.
  • No Pre-set Limit: Flexibility to spend beyond a fixed credit limit based on profile.

Reward Earning & Ultimate Redemption

  • Earning: 1.5 Reward Points for every ₹100 spent on all categories.
  • Redemption: 1 Reward Point = ₹1 when redeemed against card's outstanding balance.
  • AirMiles: Points can also be transferred to KrisFlyer and other partner airlines.

Travel & Lifestyle Benefits

  • International Lounge: 4 complimentary visits using Priority Pass.
  • Domestic Lounge: 6 complimentary visits per quarter via Visa Lounge program.
  • Movies: BOGO on BookMyShow (Capped at ₹700).
  • Dining: ₹3,000 EazyDiner voucher (Twice per year).

Golf & Concierge Privileges

  • Golf: Unlimited games at regular courses + 4 free games/month at premium clubs.
  • Concierge: 24x7 luxury concierge for customized travel and event planning.

Insurance & Protection

  • Air Accident: Personal accident insurance worth ₹2.5 Crores.
  • Lost Card: Protection from 48 hours prior to reporting loss.
  • Cash Advance: Fee waived for emergency cash withdrawals.

Review

Just like Crest card. this card is also not worth investing money in.