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IndusInd Bank Indulge Credit Card
★★★★★(4)The IndusInd Bank Indulge Credit Card is perfect for those who have a taste for luxury. The card is designed with a 22K gold inlay and offers many premium benefits. These include a complimentary Priority Pass membership with unlimited lounge visits, 24x7 concierge service, air accident cover worth ₹2.5 crores, and many other privileges. Keep reading to learn more about this exclusive offering from IndusInd Bank.
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹2,00,000Annual Fee
NilAnnual Percentage Rate
46%Add-on Card Fee
NAMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
40%Card Replacement Fee
₹100Foreign Transaction Fee
1.8%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹1Pros
Aspects that make this credit card amazing.
- ⮚Priority Pass membership with lounge access.
- ⮚Cardholders can avail of movie ticket discounts and dining discounts.
- ⮚Air accident cover and card liability protection.
- ⮚The flexible spending limit allows users to spend over and above the base limit.
- ⮚The card has a low forex markup fee.
Cons
Aspects this credit card lacks.
- ⮚Low reward points compared to other premium credit cards.
- ⮚Complimentary lounge visits have limitations and restrictions.
- ⮚The card has a high-interest rate on outstanding balances.
- ⮚The card comes with a high joining fee, which may not be affordable for all cardholders.
- ⮚The card may not be accepted by all merchants, leading to inconvenience while using the card.
IndusInd Bank Indulge Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
Indulge in a world of luxury with the IndusInd Bank Indulge Credit Card. This premium credit card gives cardholders 24/7 concierge services for all their travel and entertainment needs. Enjoy rewards like bonus points for every purchase, dining, and entertainment discounts, and added peace of mind with insurance coverage for air accidents and protection against card loss. While the IndusInd Bank Indulge Credit Card offers various benefits to cardholders, it's important to note that it comes with a joining fee that may not be suitable for those on a tight budget. Nonetheless, the IndusInd Bank Indulge Credit Card may be worth considering for those seeking ultimate convenience and comfort with the Credit Card.
Overview
| Card Type | Super Premium Credit Card |
|---|---|
| Best Suited | Travel, Shopping, and Dining. |
| Rewards | 1 reward point for every ₹100 spent on weekdays, 2 reward points for every ₹100 spent on weekends |
| Annual Fee | Nil |
| Joining Fee | ₹2,00,000 (no annual fee applicable). |
Who should get an IndusInd Bank Indulge Credit Card?
How to Apply for an IndusInd Bank Indulge Credit Card?
IndusInd Bank Indulge Credit Card Eligibility
- Age: Minimum 18 years
- Occupation: Salaried or Self Employed
- Income: Salaried - ₹48 Lakhs p.a., Self-Employed: ITR > ₹60 Lakhs p.a.
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.