M16S / IndusInd Bank / IndusInd Duo / Duo Plus (debit-cum-credit) Credit Card
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IndusInd Duo / Duo Plus (debit-cum-credit) Credit Card
IndusInd BankVisaLast checked 12 Oct 2026closed to new applicants
The IndusInd Duo / Duo Plus (debit-cum-credit) Credit Card charges no annual fee, with a joining fee of Rs 249. Its base return is 0.33% (1 RP per Rs 150 on the credit side). The forex markup is 2%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 12 Oct 2026.
Card design: indusind.bank.in
Annual fee
Free
Fee waived at
—
Base return
0.33%
Forex markup
2%
Interest
3.83%a month
Fees
Joining feeunverified
Rs 249
Annual fee
Free
Fee notes
Discontinued for new sourcing. Issuer page: Duo issuance fee Rs 249 + taxes, annual fee free. Duo Plus: joining Rs 1,500, annual Rs 799, Rs 1,000 voucher. Duo Premier: joining Rs 3,000, annual Rs 799, Rs 3,000 voucher. Issuer MITC lists Duo at nil joining and annual fee.
Rewards
Welcome benefit
Duo Plus: Rs 1,000 voucher (Bata, United Colors of Benetton, Levis, Pantaloons or Pizza Hut). Duo Premier: Rs 3,000 voucher (Louis Philippe, Titan, Aldo, Bata, Fab Hotels or Marks & Spencer)
Reward currency
Reward Points
Base earn
1 RP per Rs 150 on the credit side
Base returnunverified
0.33%
Point valueunverified
Aggregator: 1 RP = Rs 0.50 cash credit. Issuer page states no rate; its savings illustration uses Rs 0.75 per RP but the page also flags unspecified changes to cash credit redemption
Caps
Cash credit redemption max 2,500 RP per calendar month (effective 1 Sep 2024)
Spends that earn nothingunverified
No RP on fuel
Reward notes
base_return_pct = (1/150) x Rs 0.50 (aggregator cash value, not issuer-stated, so not recomputed). One plastic with two chips and two magnetic stripes: a debit card and a credit card.
Travel and perks
Domestic loungeunverified
None complimentary
International loungeunverified
None (no Priority Pass per MITC)
Forex markupunverified
2%
Fuel surcharge waiver
Credit side: 1% waiver at all petrol pumps in India
Other freebies
BookMyShow buy-one-get-one once a month (up to 12 a year), free ticket capped at Rs 200 from 1 Jun 2023 (Rs 250 before); not available on a Duo credit card with nil limit; travel insurance with sums assured up to Rs 1,00,000 / 25,000 / 50,000 / 25,000 / 25,000 (row labels missing in the fetched text; on the Platinum RuPay and Pioneer Legacy pages the same sums are lost baggage, delayed baggage, passport loss, lost ticket, missed connection); Total Protect fraud cover up to the credit limit; no add-on cards. Debit side: lost card liability Rs 3 lakh, air accident Rs 25 lakh, personal accident Rs 2 lakh, purchase protection Rs 50,000
Charges and eligibility
Interest per month
3.83%
Late payment fee
By outstanding balance (from 15 Jun 2026): up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300
Cash advance fee
2.5% min Rs 300
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Page marks the Duo Card as discontinued for new sourcing and kept only as a reference for existing holders. Notice: certain features revised from 30 Nov 2021 (details behind a link). Bank-wide Aug 2019 reduced-earn revision is stated as not applicable to Duo. Requires an IndusInd savings account. Page is silent on fuel earn, lounges and expiry. CONFLICTS (issuer page used; old value and source): status: old 'open'; issuer page says discontinued for new sourcing | joining_fee: old 0 (issuer MITC nil); issuer page says Rs 249 + taxes issuance fee | forex_markup_pct: old 3.5 (issuer MITC, 'all other cards'); issuer page headline says 2% cross currency mark-up, as aggregators did. Earlier non-issuer data not found on the issuer page (unconfirmed): fuel waiver range Rs 400-4,000. Issuer MITC surcharges: 1% + GST on utility spend above Rs 25,000/cycle, wallet loads above Rs 20,000/cycle, education via third-party apps above Rs 45,000/cycle, transport MCCs above Rs 40,000/cycle; reward redemption fee Rs 149 (cash) / Rs 100 (other).
Questions
What is the annual fee of the IndusInd Duo / Duo Plus (debit-cum-credit) Credit Card?
No annual fee.
Does the IndusInd Duo / Duo Plus (debit-cum-credit) Credit Card give airport lounge access?
No lounge access is listed for this card.
What is the forex markup on the IndusInd Duo / Duo Plus (debit-cum-credit) Credit Card?
2% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Duo / Duo Plus (debit-cum-credit) Credit Card?
