IndusInd Bank Credit Card


IndusInd Bank offers a wide range of credit cards designed to cater to various lifestyle needs, providing exceptional rewards, travel benefits, dining privileges, and more. Whether you’re looking for cashback, exclusive dining offers, premium travel experiences, or fuel surcharge waivers, IndusInd credit cards suit different spending habits and preferences. With options like the EazyDiner Credit Card, Legend Credit Card, and Avios Visa Infinite Credit Card, users can enjoy seamless transactions, earn reward points, and unlock exclusive perks. Additionally, IndusInd Bank offers RuPay credit cards, enabling secure UPI payments for enhanced convenience and effortless digital transactions.


Shop for your favorite items and enjoy incredible discounts. With your Indus Easy Credit Card, take advantage of exciting offers all year round, whether you're shopping for apparel, dining at your favorite restaurants, booking flights or movie tickets, or buying groceries.

Top IndusInd Bank Credit Cards

IndusInd Bank offers a wide range of credit cards that cater to different customer needs, whether it's frequent dining, travel benefits, or rewards on everyday purchases. Here's a detailed comparison of some of the top IndusInd Bank credit cards highlighting their key features and benefits:

IndusInd Credit Cards Key Features & Benefits
IndusInd Platinum RuPay Credit Card
  • UPI-enabled credit card for seamless transactions
  • Earn 2 reward points for every ₹100 spent via UPI
  • Fuel surcharge waiver across India
EazyDiner IndusInd Bank Platinum Credit Card
  • 3 months EazyDiner Prime membership worth ₹1,095
  • 20% dining discount up to ₹500, 3 times a month
  • Fuel surcharge waiver across India
Legend Credit Card
  • 1 reward point per ₹100 spent on weekdays and 2 points on weekends
  • 4,000 bonus points on annual spend of ₹6 lacs
  • 1.8% foreign currency markup
EazyDiner Credit Card
  • 1-year EazyDiner Prime membership worth ₹2,495
  • 25% off dining up to ₹1,000
  • 2 domestic lounge visits per quarter
  • 1% fuel surcharge waiver
Platinum Aura Edge Visa/Master Card
  • Contactless payments for easy transactions
  • Up to 8X reward points on select categories
  • 1% fuel surcharge waiver

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IndusInd Bank Credit Cards Annual Fee & Joining Fee

IndusInd Credit Cards Joining Fee (₹) Annual Fee (₹)
IndusInd Platinum RuPay Credit Card 0 0
EazyDiner IndusInd Bank Platinum Credit Card 0 0
Legend Credit Card 5,000 0
EazyDiner Credit Card 1,999 1,999
Platinum Aura Edge Visa/Master Card 0 0

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IndusInd Bank Credit Cards Interest Rates & Charges

Credit card interest charges are applied when the total amount due is not paid by the due date, and late payment fees are incurred if the minimum due amount is not settled on time. These interest rates are variable and may change based on IndusInd Bank's periodic reviews.

IndusInd Credit Card Interest Rate
IndusInd Legend Credit Card 3.83% p.m. (46% p.a.)
IndusInd Bank Platinum Credit Card 3.95% p.m. (47.40% p.a.)
IndusInd Bank Platinum Aura Edge Credit Card 3.95% p.m. (47.40% p.a.)
IndusInd Nexxt Credit Card 3.83% p.m. (46% p.a.)
IndusInd Indulge Credit Card 1.79% p.m. (21.48% p.a.)

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Note: Interest rates are subject to change. For the most accurate and up-to-date information, please visit the official IndusInd Bank website or contact their customer service.

IndusInd Bank Credit Cards Eligibility Criteria

Before applying for a credit card, it's essential to ensure that you meet the eligibility criteria. Below are the eligibility requirements for Indus Easy Credit Cards:

  • Age: Applicants must be at least 18 years old, with a maximum age limit of 75 years.
  • Income: A minimum net monthly income of ₹20,000 is required.
  • Occupation: Both salaried and self-employed individuals are eligible to apply.
  • Credit Score: A good credit score is necessary for approval.

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IndusInd Bank Credit Cards Documents Required

When applying for a credit card online, it's important to have the necessary documents ready to ensure a smooth and hassle-free process.

  • No physical documents are needed.
  • Have your Aadhaar number and PAN card ready to expedite the application process.
  • Provide proof of residence if your current address differs from the one on your Aadhaar card.

Features & Benefits of IndusInd Bank Credit Cards

IndusInd Bank offers a variety of benefits with its credit cards, ensuring a rewarding experience for cardholders. Here’s a look at the key advantages:

  • Lifetime Fee Waivers: Cardholders can choose from a range of credit cards with zero joining and annual fees, enjoying them for a lifetime without any extra costs.
  • Airport Lounge Access: Cardholders travel in style with complimentary access to airport lounges at several domestic and international locations.
  • Rewards That Never Expire: The reward points earned never expire, allowing users to redeem them whenever they wish or convert them to cash in their card account.
  • High Rewards: Cardholders earn reward points every time they use their credit card and enjoy bonus points for milestone spending. Whether it’s dining, movies, or shopping, they benefit from exciting discounts and freebies.
  • Cashbacks: Enjoy attractive offers, allowing users to save more with every purchase.
  • Fuel Surcharge Waiver: Cardholders receive a fuel surcharge waiver at petrol pumps across India, ensuring they save on every fuel transaction.

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Steps to Apply for IndusInd Bank Credit Cards Online

Applying for an IndusInd Bank credit card is a simple and quick process that can be done entirely online, allowing you to start enjoying your card benefits right away. Here’s a step-by-step guide to applying for a credit card:

Step 1: Input Your Details: Begin by filling in your basic details such as your mobile number and PAN card number to initiate the process.

Step 2: Complete Application: Complete the video KYC (V-KYC) process and sign the application digitally to finalize your credit card application.

Step 3: Best Card Offers: Based on the information you provide, IndusInd Bank will offer you multiple instant credit card options to choose from.

Step 4: Card Approval: Once your application is approved, you’ll receive your physical credit card within 24-48 hours. However, you can start shopping online immediately with your virtual credit card, which is generated instantly and offers the same benefits as the physical card.

Things to Know Before Applying a Credit Card Online

Before applying for an instant credit card online, there are several important factors to consider to ensure a smooth application process and to select the best card for your needs. Here are some key things to know:

  • Eligibility Criteria: Ensure that you meet the age, income, and credit score requirements. Most cards require applicants to be at least 18 years old, have a steady income, and possess a good credit score.
  • Required Documents: Although no physical documents are typically required, be prepared with your Aadhaar number, PAN card, and proof of residence if your current address differs from the one on your Aadhaar card. This will help expedite the application process.
  • Virtual Card Availability: After approval, many instant credit cards provide a virtual version, allowing you to start using the card for online transactions immediately before receiving the physical card.
  • Fees and Charges: Check if the card comes with any joining or annual fees. Some cards, especially instant ones, offer lifetime free options with no annual or joining fees.
  • Rewards and Benefits: Review the rewards program, cashback offers, and other benefits associated with the card. Look for cards that align with your spending habits, such as dining, travel, or shopping.
  • Credit Limit: Your credit limit is often based on your income and credit score. Make sure to choose a card that offers a limit suitable for your needs without negatively impacting your credit utilization ratio.

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Frequently Asked Questions

IndusInd Bank offers a wide range of credit cards, including lifestyle, travel, dining, rewards, and cashback cards, catering to different customer needs.

You can apply online by filling out your basic details and completing the V-KYC process on IndusInd Bank’s website or through the mobile app.

Applicants must be at least 18 years old, have a minimum monthly income of ₹20,000, be salaried or self-employed, and possess a good CIBIL score.

Fees may include joining fees, annual fees, interest charges, and late payment fees. Some cards offer zero joining and annual fees. Interest rates and other charges vary by card type.

You can check your application status online via IndusInd Bank’s website or by contacting customer support.

IndusInd Bank offers an interest-free period of up to 50 days, provided the full outstanding balance is paid by the due date.

You can immediately report a lost or stolen card by calling IndusInd Bank’s 24/7 customer care or through the mobile app to block the card.

You can set or reset your credit card PIN through IndusInd Bank’s mobile app, online banking, or at an ATM.

IndusInd Bank credit cards offer benefits such as reward points, cashback, airport lounge access, fuel surcharge waivers, dining discounts, and more depending on the card type.

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