The IndusInd Indulge Credit Card costs Rs 10,000 a year, waived if you spend Rs 10,00,000 in a year. Its base return is 1.5% (1.5 RP per Rs 100). The forex markup is 1.8%. Abroad: 4 per calendar quarter via Priority Pass, outside India (effective 13 Mar 2025). Read from the issuer's documents and an aggregator on 12 Oct 2026.
Annual fee waived at Rs 10 lakh spend (MITC waiver list alignment is ambiguous). 22K gold inlay card.
Rewards
Welcome benefit
None listed
Reward currency
Reward Points
Base earn
1.5 RP per Rs 100
Base return
1.5%
Point value
1 RP = Rs 1 cash credit
Caps
Cash redemption max 10,000 RP per calendar month (from 1 Sep 2024); min 500 RP
Spends that earn nothing
Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019). Earlier reading: no RP on fuel
Points expiryunverified
Aggregator: 1 year from accrual
Reward notes
base_return_pct = 1.5 RP per Rs 100 x Rs 1 (issuer Indulge rewards microsite). Minimum 500 RP for cash credit and airline miles. Club Vistara conversion ended 31 Oct 2024.
Transfers
Partners
Singapore KrisFlyer, Air India Maharaja Club
Ratiounverified
Card Insider: 200 RP = 100 KrisFlyer miles; Book1A: KrisFlyer 1:1, Maharaja Club 2:1. Conflict.
Travel and perks
Domestic loungeunverified
Aggregator: 6 per quarter on Rs 5 lakh quarterly spend. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page)
International lounge
4 per calendar quarter via Priority Pass, outside India (effective 13 Mar 2025)
Lounge conditionsunverified
Domestic access is spend-linked from the July 2026 quarter (issuer notice); domestic visit count and threshold are from an aggregator only
Golf: 4 games and 4 lessons per month (effective 10 Mar 2026), needs Rs 25,000 spend in the last statement; 22K gold inlay card; no cash advance fee and no rent surcharge (MITC). Aggregator, not on issuer pages read: BookMyShow BOGO 3 per month up to Rs 700; EazyDiner Rs 3,000 voucher twice a year; concierge
Charges and eligibility
Interest per month
1.79%
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
Waived
Eligibility
Income/ITR Rs 36 lakh a year (salaried), Rs 42 lakh (self-employed)
Fine-print notes
Issuer product page read as plain text on 2026-10-12; fields updated from it. Two issuer pages read: the product page (golf, lounge, eligibility) and the rewards microsite https://www.indusind.bank.in/in/en/microsites/indulge/freedom-rewards-know-more.html (1.5 RP per Rs 100, Re 1 cash value, 500 RP minimum, 10,000 RP per calendar month cash cap from 1 Sep 2024, KrisFlyer and Maharaja Club). Neither states fees, airline ratios or points expiry. Other issuer pages used: https://bank.indusind.com/pioneer/personal-banking/cards/pioneer-legacy-credit-card1.html (Aug 2019 reduced-earn table, golf programme terms). CONFLICTS (issuer page used; old value and source): other_freebies (golf): old 'Golf games and lessons' with no count; issuer page: 4 games and 4 lessons per month from 10 Mar 2026. 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 Indulge Credit Card?
Rs 10,000 a year, before GST. It is waived if you spend Rs 10,00,000 in a year.
Does the IndusInd Indulge Credit Card give airport lounge access?
Yes. In India: Aggregator: 6 per quarter on Rs 5 lakh quarterly spend. Issuer page: from the July 2026 quarter domestic access must be unlocked by a spend criterion tracked from 1 Apr 2026 (threshold not on page). Outside India: 4 per calendar quarter via Priority Pass, outside India (effective 13 Mar 2025). Conditions: Domestic access is spend-linked from the July 2026 quarter (issuer notice); domestic visit count and threshold are from an aggregator only
What is the forex markup on the IndusInd Indulge Credit Card?
1.8% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the IndusInd Indulge Credit Card?
Utility bills, insurance premiums, government services and education fees earn 0.70 RP per Rs 100 (issuer notice effective 1 Aug 2019). Earlier reading: no RP on fuel
