Fees
Annual feeINR 25,000 + GST
Joining feeINR 1,00,000 + GST
Renewal feeINR 25,000 + GST
Fee waiverSpend INR 10 Lakh+ in last anniversary year
Spend waiverNo spend-based fee waiver
Interest rate2.99% per month (36% per annum (p.a.))
Late paymentWaived
Forex markup0% (Full Waiver)
Cash advanceWaived
Eligibility
Min income (salaried)INR 1.5 lakh+
Min income (self-emp.)INR 25 lakh/year+
Credit score800 or above (CIBIL)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 2.5X on international spends; accelerated on dining
Redemption optionsCashback (direct), Airmiles / Airline Conversion, Gift Vouchers, Merchandise, Bank's own online redemption store (Indus Moments)
Points expiryNo Expiry
Travel & lounge
Domestic loungeComplimentary domestic lounge access conditional on INR 5,00,000 spend in the preceding quarter (eff. April 2026; was unlimited/unconditional). Access via LoungeKey.
International loungeUnlimited (LoungeKey - 850+ lounges, 400+ airports, 120 countries); guests at USD 27
Lounge conditionsINR 5,00,000 spend in preceding quarter required to unlock lounge access for the next quarter (eff. April 2026; was unconditional)
Insurance coverageYes
Hotel/flight offers10% - 15% at partner hotels; 1 complimentary hotel night via Mastercard
ConciergeYes - 24x7 Concierge
Forex waiver0% (Full Waiver)
Lifestyle
Dining discountsYes - dining discounts at partner restaurants (up to INR 3,000 off per bill)
Fuel surchargeYes - 1% waiver on INR 400-INR 4,000 transactions
OTT subscriptionsNo
E-commerce offersYes - via IndusInd Bank offers portal (Amazon, Flipkart, etc.)
ComplimentaryGolf: 4 golf games + 4 lessons/month (revised WEF 10-Mar-2026; min INR 25,000 prior-cycle spend); Golf: 4 golf games + 4 lessons/month (revised WEF 10-Mar-2026; min INR 25,000 prior-cycle spend)
AdditionalGolf (eff. Mar 10, 2026): 4 complimentary games + 4 complimentary lessons per month (revised). EazyDiner Prime membership discontinued (eff. Jan 1, 2026). ITC Culinaire membership discontinued for Mastercard variant (eff. Oct 5, 2025). Air accident insurance discontinued (eff. Dec 21, 2025). Lounge spend gate: INR 5,00,000/quarter (eff. April 2026). DCC fee: 1% + GST (premium tier, eff. Jun 15, 2026). Fuel fee: 1% + GST on cumulative fuel spends > INR 50,000/cycle. Exempt from transport fee.
Credit limit & EMI
Default limitINR 10 lakh+
Max limitINR 20 lakh+ (No fixed cap)
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