Cards / IndusInd

Joining fee

₹15,000

Annual fee

Free

Waiver spend

–

Forex markup

3.5%

Fee waiver

No annual fee, so nothing to waive.

Recent changes

• 1 July 2026Worse for you

  Domestic lounge access needs prior-quarter spends of Rs 5 lakh on Indulge and Solitaire and Rs 1.5 lakh on Legacy, Crest, Celesta and Pinnacle.

  Source

All card changes in 2026

Work it out for this card

Offers on this card now

• Groceries
  Zepto

  Flat ₹100 off on Zepto

  Minimum order ₹999. Use code ZEPINDCC. Once per card during the offer period.

  Ends 31 OctBank's terms

• Bills
  PPaytm

  Flat ₹50 off on recharges and bill payments on Paytm

  Minimum payment ₹499 on mobile, broadband, DTH, water, gas and electricity bills. Use code INDCC50. Once per card.

  Ends 31 OctBank's terms

• Groceries
  Blinkit

  10% off up to ₹300 on Blinkit

  10% up to ₹150 on orders of ₹999 or more with code INDUS150, or 10% up to ₹300 on orders of ₹2,499 or more with code INDUS300. Once per card per offer type.

  Ends 11 NovBank's terms

See every bank on the card offers page. Checked 18 Oct from the bank's own pages; read the bank's terms before you pay.

How the app counts rewards

• 0.7 points per Rs 100 on rent (up to 500 points a cycle via third-party apps)
• 0.7 points per Rs 100 on utilities, insurance and education
• 1.5 points per Rs 100 on online travel and airline bookings
• 2.5 points per Rs 100 online
• 1 point per Rs 100 in store

No rewards on fuel.

Airport lounges

• Domestic: 1 visit a quarter
• International: 1 visit a quarter

International via Priority Pass outside India; domestic access needs Rs 1.5 lakh spend in the previous quarter (from the July 2026 quarter)

Points

Reward Points, worth about ₹0.75 each on the usual redemption.

Transfer partners: Singapore Airlines KrisFlyer (2:1), Air India Maharaja Club (2:1)

Work out what your points are worth

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.06-0001.

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