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IndusInd Indulge Credit Card
IndusInd Bank
Joining Fee₹75,000Renewal Fee₹10,000Waived at ₹10,00,000 annual spend
Last verified: 26 Sept 2026
Reward Program
IndusInd Reward Points1 point = ₹0.60
Redemption fee: 0
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Managed via IndusInd Rewards
Transfer partners
Non-cash redemptions excluding air miles at 1 Reward Point = ₹0.6.IndusInd publishes no separate cash redemption rate for this card.
Live Offers
No active offers for this card right now.
Benefits
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Fuel Surcharge Waiver
1% fuel surcharge waiver, subject to a minimum surcharge of ₹10. IndusInd publishes waiver details per product rather than in the MITC, and GST on the surcharge is borne by the cardholder.
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹75,000/yr |
| Renewal Fee | ₹10,000/yr |
| Fee Waiver | Spend ₹10,00,000/year |
| Forex Markup | 1.8% |
| Interest Rate | 21.48% p.a. |
| Cash Advance Fee | 2.5% of the advance amount subject to a minimum of ₹300. WAIVED ENTIRELY on Club Vistara Explorer, Indulge, Pioneer Private, Pioneer Heritage, Pioneer Legacy, Avios Visa Infinite, Platinum Aura Edge (Government Sector) and Samman. |
| Reward Redemption Fee | 0 |
