IndusInd Bank Indulge Credit Card
Joining Fee: ₹2,00,000 + GST
Renewal Fee: No renewal fee
Reward Type: Reward Points
Rewards and redemption
Earning Rewards: Earn 1.5 Reward Points for every ₹100 spent.
Reward Redemption: Redeem points for AirMiles, cash credit, or products through IndusMoments. Minimum redemption starts at 500 points, with a maximum of 30,000 points per statement cycle.
Exclusive Travel Privileges
Visa Lounge Access: Enjoy 6 complimentary domestic lounge visits per quarter, ensuring a comfortable travel experience.
Priority Pass Membership: Access unlimited international lounges every quarter. Domestic lounge visits via Priority Pass are charged at $27 per visit.
Fast Track Immigration Discount: Receive a 25% discount on Fast Track immigration services at over 450 locations worldwide.
Visa Limo Transfer Program: Get a 20% discount on airport transfer services.
Premium Movie and Dining Perks
BookMyShow Ticket Offer: Buy one movie or non-movie ticket and get another free, up to 3 times per month, with a maximum ticket value of ₹700. Includes a ₹50 discount on food and beverages.
Non-Movie Ticket Discount: Enjoy a 25% discount on non-movie event tickets through BookMyShow.
Dining Savings: Receive ₹3,000 off dining bills twice a year, making luxurious dining more affordable.
Comprehensive Insurance Protections
Personal Air Accident Cover: Benefit from ₹2.5 crores coverage in the event of loss of life due to a personal air accident.
Card Loss Liability Protection: Enjoy protection against unauthorized transactions starting 48 hours before reporting a lost card.
24/7 Concierge Assistance
Concierge Service: Access 24/7 personalized assistance for hotel, flight bookings, and more by calling 1860 267 7777.
Flexible Credit Limit Structure
No Pre-Set Credit Limit: Spend beyond the base revolve credit limit, offering greater financial flexibility.
Competitive Forex Markup Fee
Low Forex Markup: Save with a low 1.8% forex markup fee on international transactions.
Summary
IndusInd Bank’s Indulge Credit Card provides top-tier benefits, including Priority Pass membership and concierge services. Cardholders earn Reward Points on all spending categories at the same rate, which can be redeemed for AirMiles with partner airlines or used to offset the card’s outstanding balance (1 Reward Point = ₹1). This flexibility in redemption is not commonly offered by other credit cards. Although the annual membership fee is ₹10,000, the card's extensive benefits make it a strong option.