Fees
Annual feeINR 10,000 + GST
Joining feeINR 40,000 + GST
Renewal feeINR 10,000 + GST
Fee waiverAnnual fee waived on Spend INR 2,00,000 in 12 months
Spend waiverSpend INR 2,00,000 in 12 months
Interest rate2.85% per month (34% per annum (p.a.))
Late paymentWaived
Forex markup1.80%
Cash advanceWaived
Eligibility
Min income (salaried)INR 75,000 - INR 1,25,000
Min income (self-emp.)INR 12 - INR 20 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6X on international spends; milestone bonus CV Points
Redemption optionsAir Miles / Airline Conversion (Vistara Club Vistara Miles)
Points expiryNo Expiry
Travel & lounge
Domestic lounge1-2 visits/quarter (domestic)
International lounge1-2 visits/year (international)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers5% - 10% via Vistara offers
ConciergeYes - Concierge
Forex waiver1.80%
Lifestyle
Dining discountsNo
Fuel surchargeNo
OTT subscriptionsNo
E-commerce offersYes - via IndusInd Bank offers portal (Amazon, Flipkart, etc.)
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 10 lakh - INR 20 lakh
Cash withdrawalWaived (cash advance waived)
EMI conversionPost-purchase
Min EMI amountINR 5,000+
Balance transferYes
BT interest rateAs per bank's prevailing BT offer (typically 0%-1% per month for promo period)
Insurance & protection
Purchase protectionYes - via Total Protect feature
Lost card liabilityYes - Zero liability if reported within 3 working days
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, Zero Liability Guarantee, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days; limited if within 4-7 days
WhatsApp supportYes