IndusInd Bank Duo Credit Card

★★★☆★(3.9)

The IndusInd Bank Duo Card is a unique debit-cum-credit card that is the first of its kind in India. It comes with a range of features and benefits designed to simplify your wallet and provide flexibility in payment options. You'll enjoy a yearly benefit of ₹3,000 worth of movie tickets, free access to airport lounges, concierge services, and much more with just ₹249. Read on to learn more.

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Features and Benefits

Aspects that make spending using this card lit as the sun!

✔Welcome Bonus

✘Travel

✔Fuel

✘Rewards

✘Shopping

✘Cashback

✘Dining

✔Insurance

✘Interest

Welcome Bonus

Note: Reward points will be offered on the transactions done within 60 days of card issuance.
100 points on 1st shopping Transaction.
50 points on 1st E-commerce Transaction.
100 points Internet Banking Transaction and on Mobile Banking Transaction.
100 points on transactions at IndusInd Bank ATM.
50 points on transactions at Other Bank ATM.

Insurance Benefit

Lost Baggage cover of ₹ 1,00,000.
Delayed Baggage and Lost Ticket cover of ₹25000.
Loss of Passport cover of ₹50000.

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India.
Note: Applicable on credit card transactions between ₹400 to ₹4,000.

Concierge Services

24x7 Concierge service for booking of Hotel/Flight/Event.
To claim, reach out at 1860-267-7777.

Other Benefit

Note: The movie offer is valid once a month on the BookMyShow.
2% cross currency markup fee
Buy one get one offer on movie tickets.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹249

Annual Fee

Nil

Annual Percentage Rate

46%

Add-on Card Fee

Free

Minimum Repayment Amount

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

₹100

Foreign Transaction Fee

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

Reward Point Value

₹0.50

Balance from ₹25000 to ₹50000

₹1100

Balance more than ₹50000

₹1300

Pros

Aspects that make this credit card amazing.

⮚Combines debit and credit features in one card, offering flexibility and avoiding the need to carry multiple cards.
⮚No annual fee is charged.
⮚₹3,000 worth of movie tickets annually.

Cons

Aspects this credit card lacks.

⮚Debit side may not be accepted at all merchants.
⮚Reward rate is not much attractive.

IndusInd Bank Duo Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

The IndusInd Bank Duo Credit Card is a suitable choice for those who want a card that can function as both a credit and a debit card. Nonetheless, users should exercise caution when using this card, as errors may occur while swiping the card at an ATM or POS system. Additionally, the card allows you to earn reward points on every purchase, and provides entertainment benefits, insurance coverage, fuel surcharge waivers, and much more.

Overall, considering its joining and annual fees, it is a decent card that enables you to enjoy the benefits of two cards at once. If you're searching for a basic credit card with standard features, you can apply for this credit card. However, if you're looking for a credit card that offers benefits in a specific category, this may not be the best choice.

Overview

Best for	Rewards
Joining Fee	₹249 plus taxes
Annual Fee	Nil
Welcome Bonus	Up to 500 Reward Points
Card Network	Visa

IndusInd Bank Duo Credit Card Maximum Cashback

Categories	Reward Points
Shopping Transaction on Debit Card (Domestic)	100
Shopping Transaction on Debit Card (International/E-commerce)	50
Internet Banking Transaction	100
Mobile Banking Transaction	100
ATM Withdrawals at IndusInd Bank ATMs only	100

Who should get an IndusInd Bank Duo Credit Card?

The IndusInd Duo Credit Card is an entry-level card designed to offer the benefits of both a Credit card as well as a debit card. That is why this card is ideal for users who are looking to take advantage of both in a single card, as the Duo Card offers a fuel surcharge waiver, personal & accidental insurance benefits with 24x7 concierge services, and a lot more by charging a nominal joining fee.

How to Apply for an IndusInd Bank Duo Credit Card?

1. Apply for an IndusInd Bank Duo Credit Card Online

IndusInd Duo Bank Credit Card can be applied by calling on 1860-267-7777 and through an online medium as well. To apply online, follow the below-mentioned steps:
Visit the IndusInd Bank Website.
Go to the Cards, under the “Products tab”.
IndusInd Duo Card will be listed under the card’s category.
Click on “Apply Now” and start the application process.
Fill in all the required details and upload all the necessary documents to complete the process.

IndusInd Bank Duo Credit Card Eligibility

Applicants must be 18 to 65 years of age and have a steady source of income to be eligible for a credit card.

Documents Required

Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.