Fees
Annual feeNil (Lifetime Free after joining fee)
Joining feeINR 15,000 + GST
Renewal feeNil (Lifetime Free after joining fee)
Fee waiverLifetime Free - no annual fee applicable
Spend waiverSpend INR 3,00,000 in 12 months (Lifetime Free after joining fee)
Interest rate3.83% per month (46% per annum (p.a.))
Late paymentUp to INR 100-INR 1,300 (based on outstanding balance; waived for Pioneer Heritage, Pioneer Private, Indus Solitaire)
Forex markup3.50%
Cash advance2.5% of advance amount, min INR 300
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 - accelerated on select categories; golf benefits
Redemption optionsCashback (direct), Airmiles / Airline Conversion, Gift Vouchers, Merchandise, Bank's own online redemption store (Indus Moments)
Points expiryNo Expiry
Travel & lounge
Domestic loungeUp to 8 visits/year (current); from Jul-2026 spend-gated: INR 1,50,000/quarter unlocks 1 visit next quarter. 1 intl/quarter via Priority Pass
International lounge1 visit per calendar quarter via Priority Pass
Lounge conditionsYes (from July 2026)
Insurance coverageYes
Hotel/flight offers10% - 15% at partner hotels
ConciergeYes - Concierge
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining discountsYes - dining discounts
Fuel surchargeYes - 1% waiver
OTT subscriptionsNo
E-commerce offersYes - via IndusInd Bank offers portal (Amazon, Flipkart, etc.)
ComplimentaryGolf: 1 golf game + 1 lesson/month (revised WEF 10-Mar-2026); Golf: 1 golf game + 1 lesson/month (revised WEF 10-Mar-2026)
AdditionalAir accident insurance discontinued (eff. Dec 21, 2025). DCC fee: 1% + GST (premium tier, eff. Jun 15, 2026). Fuel fee: 1% + GST on cumulative fuel spends > INR 50,000/statement cycle (eff. Jun 15, 2026).
Credit limit & EMI
Default limitINR 5 - INR 10 lakh
Max limitINR 10 lakh - INR 20 lakh
Cash withdrawalUp to 40% of credit limit
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