IndusMoments: how IndusInd Bank credit card points are redeemed, capped and charged

What is IndusMoments and who runs it?

IndusMoments is IndusInd Bank's rewards and offers portal at www.indusmoments.com. IndusInd's rewards terms for each card say you redeem points by visiting the site and placing a request. The site's footer says it is copyright Loylty Rewardz Mngt Pvt Ltd.

The site lists flight bookings across 260 or more airlines, hotels, products from a catalogue, Insta Vouchers and transfers of points to air miles. It also carries bank and card network offers, and lists a booking concierge on 1800 571 3981.

How do I log in to IndusMoments?

You choose credit card or debit card, then enter the last four digits of your primary credit card and your registered mobile number, and confirm with a one-time password. The site lets you browse without logging in.

Some cards also allow redemption by phone. IndusInd's Crest page gives 1860 267 7777 for redeeming points.

What is an IndusInd reward point worth as cash credit?

It differs by card. IndusInd's Pioneer Private rewards page values 1 point at Re 1 of cash value, and its Crest page at Rs 0.75. The rewards terms for the other cards we read do not state a cash value.

Crest points also convert to Singapore Airlines KrisFlyer miles at 2 points to 1 mile, per the Crest page. IndusInd can change conversion rates without notice, but its terms say a change applies only to points earned after it.

How many points can I redeem for cash credit in a month?

Each card has its own cap, set from 1 September 2024 on most cards. Every card's terms we read require at least 500 points to redeem for cash credit or airline miles. Pioneer Private has no monthly cap on any redemption option.

IndusInd's Legacy card terms give 20,000 points for cash credit, but one Legacy page says per calendar month and another says per statement cycle.

From IndusInd Bank's rewards terms pages, read 9 November 2026. Minimum 500 points for cash credit or airline miles on every card listed.

What does IndusInd charge to redeem points?

Rs 149 for a cash redemption, from 1 April 2025, and Rs 100 for any other redemption, under IndusInd's credit card MITC. Paying with points through Twid costs 5% + GST of the amount paid with points, at least Rs 5 and at most Rs 100 + GST.

An example. On a Platinum card, the most you can take as cash credit in a month is 2,500 points. The Rs 149 fee is charged on each request, so one request a month for the full 2,500 points keeps the fee to Rs 149.

Which redemption options has IndusInd withdrawn?

Club Vistara and InterMiles. IndusInd's pages say redemption to Club Vistara miles on IndusMoments ended on 31 October 2024, and redemption to InterMiles ended on 21 January 2025.

Airline and service provider terms apply to air miles and bookings. IndusInd says it does not underwrite those services, and complaints about delivery or quality must go in writing to the airline or provider.