IndusInd Bank Indulge Credit Card

IndusInd Bank Indulge Credit Card Review


Joining Fee: Rs 45000+GST to Rs 2 Lakhs+GST
Annual Fee: Rs 10000+GST / Zero



Reward Rate

0.7% to 1.5%



Issued On



Domestic Airport Lounge Access, International Airport Lounge Access, BookMyShow Offer, Fuel Surcharge Waiver

Table of Contents

IndusInd Bank credit cards do not have the best reward programs and benefits in the market. But they do have some great-looking credit cards. The Indulge is one such luxury credit card that comes with a pure 22K gold inlay. It is made for the UHNI with quite high eligibility criteria. Here is a review of the IndusInd Bank Indulge credit card with its rewards and benefits.


The income bar is set quite high for the Indulge. The income/ITR needs to be:

LTF IndusInd Bank Credit Cards
  • Rs 48 LPA for salaried
  • Rs 60 LPA for self-employed

Few would be eligible for the Indulge with this criteria. We can also apply using a card-on-card with a base limit of Rs 5 Lakh on an existing card.

Fees and Charges

IndusInd Bank’s joining offers for credit cards changes almost every month. The offers vary based on the customer segment and application source. The current offers are as below:

Joining FeeAnnual Fee
Rs 2 LakhsZero
Rs 1 LakhRs 10000
Rs 90000Rs 10000
Rs 45000Rs 10000
IndusInd Bank Indulge Credit Card Review – Fees and Charges
LTF IDFC First Bank Credit Cards

All the offers come with some welcome benefits which can range from 80% to more than 100% of the joining fees. There are three kinds of welcome benefits which are offered together or stand alone.

  • Genesis Luxury Vouchers: Redeem for apparel and accessories from brands like Giorgio Armani, Jimmy Choo, Hugo Boss, Coach, etc.
  • Vouchagram vouchers: Redeem for offline brands like Pantaloons, Woodland etc.
  • Hotel Vouchers: Oberoi vouchers that can be redeemed for a 1 or 2-night stay in some of the best hotels.

The Oberoi hotel vouchers can provide good value. The options include the Vanyavilas Ranthambore which goes for more than Rs 45000. Another option is Amarvilas Agra, which is marked for Rs 30000.


For a card with such a high annual fee and eligibility, one would expect top rewards. But, we are in for a little disappointment.

Type of SpendReward Points
All Spends (except below categories)1.5%
Utility Bills, Insurance Premium, Government Services, Education Institute Fees, Real Estate/Rental Payments0.7%
IndusInd Bank Indulge Credit Card Review – Rewards

Considering the fee, IndusInd should have kept rewards at 1.5% for all spending. The 1.5% reward rate is already low for a super-premium luxury credit card.

AU Bank Xcite Ace

Rewards Redemption

Each reward point is equal to Rs 1 or 1 Airmiles for all redemption options. We can redeem the reward points for:

  • E-Vouchers and products on IndusMoments
  • Airmiles transfer to InterMiles/Vistara
  • Statement Credit

Complimentary Airport Lounge Access

The IndusInd Bank Indulge credit card joins the Axis Magnus, HDFC Infinia, and DCB in giving unlimited international airport lounge access outside India.

  • International Airport Lounge Access outside India: Unlimited complimentary visits with Priority Pass
  • Airport Lounge Access within India: 6 complimentary visits/calendar quarter with Visa

Key Benefits

  • Indulge comes with NPSL (No Preset Spending Limit) which allows you to spend above your credit limit in the range of 10% to 20%.
  • EazyDiner Offer: Get Rs 3000 off on the total bill twice a year ~ Rs 6000 savings/year
  • BookMyShow: Buy one movie ticket and get the second one free up to Rs 700. Valid 3 times/month. ~Rs 10800 savings/year
  • 24*7 Concierge
  • Fuel Surcharge Waiver: 1% waiver for transactions between Rs 400 to Rs 4000
  • Foreign Currency Markup: 1.8% + GST
  • Up to 5 add-on cards at no extra fee. 5 add-on cards on Visa Infinite are a great benefit IMO.

Pros and Cons


  • Good welcome benefits for the joining fee
  • Unlimited International Airport Lounge Access outside India
  • EazyDiner discount offer is a good value addition


  • The joining fee is steep for the rewards offered by Indulge
  • No accelerated rewards for a super-premium card
  • 0.7% rewards on Government Services, Utility Bills, Real Estate/Rental, and Insurance Premiums

Final Thoughts

There is not much special about the super-premium Indulge credit card. The looks are premium for sure with the 22K gold inlay. The benefits of the card are also good enough. What is puzzling are the low rewards. The 1.5% rewards are too low for a card that is marketed as a super-premium luxury credit card. We do not even have any way to earn accelerated rewards.

The other negative is that for utility bills/rent payments, we get just 0.7% rewards. IndusInd could have kept this at the same 1.5% with some upper cap to curb misuse. 0.7% rewards for such categories is too low for a luxury super-premium card.

IndusInd Bank Indulge Credit Card


Features and Benefits
Axis Bank Neo Credit Card LTF
Share the Post:

Related Posts

4 thoughts on “IndusInd Bank Indulge Credit Card”

  1. Following recently, good amount of information present in this site, especially considering benefits as mid level. Thank you.

    Any worthy credit card from Indus that beats Flipkart 1.5% ?

    1. We have the Pinnacle and Legend which give good rewards. But there are other issues in both these cards.

      – The 0.7% rewards on Utility Bill Payments/Insurance Premium Payments/Government Services, Charges, Payments/Education Institute Fees.
      – The value of 1 RP has been reduced to 75 paise for redemption as statement credit.

      1. Good to know. Will keep indus under radar until either they provide offers on e-com or better benefits. Seems like not much benefits currently.
        Thanks again.

        1. Indusind bank often shifts ‘goalposts’ when it comes to terms & conditions. What is offered today need not be there tomorrow.

Leave a Reply

Your email address will not be published. Required fields are marked *

Scroll to Top