Cards / IndusInd

Joining fee

Free

Annual fee

₹199

Waiver spend

₹75,000

Forex markup

3.5%

Fee waiver

Spend ₹75,000 in a card year and the next annual fee is waived.

That is about ₹6,250 a month.

Work out what you still need to spend

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

• 1% cashback on retail spends (up to Rs 200 a cycle)

Who can apply

Only for government sector employees

Published minimums. Approval is the bank's decision. See every card you qualify for.

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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