IndusInd Bank Indulge Credit Card

Best for: Existing IndusInd Bank customers seeking a status card, HNIs who value a no-pre-set-limit card and lifestyle perks, Golfers who will use four games and four lessons a month, Those drawn to the prestige of the 22K gold inlay

Super Premium tier — built for high spenders who want top-end perks.

Strongest value if you spend heavily on Other ( 0.5% back).

Frequent travellers benefit from the included airport lounge access.

• India's first card with a 22-karat gold inlay
• No pre-set spending limit — dynamic authorisation against your profile
• 4 international lounge visits a calendar quarter via Priority Pass, plus up to 6 domestic visits a quarter once the spend criteria are met
• Four complimentary golf games and four lessons a month — the joint-largest golf entitlement in the IndusInd range
• The ₹10,000 annual fee is reversed on ₹10 lakh of spend in the last anniversary year
• The lowest finance charge in the IndusInd range at 1.79% a month
• Income criteria relaxed for existing IndusInd customers; available on a card-on-card basis

• Unremarkable reward earning (~0.5%), though the 1.8% forex markup is low for the tier
• Fuel earns no reward points, and utility, insurance, government and education spends earn a reduced 0.7 points per ₹100
• Domestic lounge access is spend-gated from the July 2026 quarter — ₹5,00,000 in the previous quarter
• Golf is conditional — each month's four games and four lessons need ₹25,000 of spend in the previous billing statement, and unused entitlement does not carry forward
• From 15 June 2026 a 1% + GST fuel surcharge applies above ₹50,000 of fuel spend per statement cycle, and 1% + GST on ground-transport spends above ₹40,000 per cycle
• Accepting dynamic currency conversion abroad (being billed in rupees) costs a further 1% + GST on top of the forex markup
• High fees for the everyday value delivered
• By-invitation — easiest for existing IndusInd account or card holders

INDUSIND publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any specific salary figure you see quoted for it elsewhere has been inferred by a third party, not stated by the bank.

What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.

Ways to convert what you earn into real value.

🎁 Redeem reward points via the IndusInd rewards catalogue for vouchers and products

🎁 Statement credit / cash credit on eligible reward redemptions (min 500 points, ₹149 + GST redemption fee, maximum 10,000 points per calendar month, and no more than 50% of your points balance per redemption since 1 April 2025)

The IndusInd Indulge prioritizes prestige, purchasing flexibility, and bespoke lifestyle privileges over raw reward generation, highlighted by its 22K gold-inlaid card design and dynamic no-preset-limit framework. While supported by generous golf, lounge, and concierge access, its core earn rate is unexceptional. It is best suited for existing IndusInd banking clients who can leverage relationship waivers to meet the qualification criteria and utilize the luxury perks.

Sources & verification

Fees, reward rates, and benefits for the IndusInd Bank Indulge Credit Card are taken from IndusInd Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 14 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IndusInd Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2013 · 6 changes · last change Jun 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

▼ Fee Effective 15 Jun 2026

New transport surcharge; late-payment grid revised

No transport surcharge → 1% + GST transport surcharge above ₹40k/cycle

Effective 15 June 2026 IndusInd added a 1% + GST transport surcharge on cumulative transport spends (MCC 4111/4112/4784/4131) above ₹40,000 per statement cycle and revised the late-payment charge grid. As a premium card the Indulge kept its higher ₹50,000 fuel-surcharge threshold and 1% DCC fee, so the harsher fuel (₹30k) and 2% DCC changes that hit standard variants did not worsen it.

Verification: IndusInd Bank ↗ · Confidence: High

▼ Benefit Effective 21 Dec 2025

Complimentary air-accident insurance withdrawn

Complimentary air-accident cover provided with the card → No air-accident cover

On 21 December 2025 IndusInd discontinued the complimentary air-accident insurance feature across its credit cards, stating simply that the coverage "stands discontinued". The bank published no replacement and named no exempt card. Note that several IndusInd product pages still described the cover months afterwards — the Avios, Duo, Pioneer Private and Platinum pages all still advertised it in August 2026 — so a reader may encounter the old wording on IndusInd's own site; the dated withdrawal notice is the operative statement. Other insurance benefits are unaffected: lost-card liability, Total Protect fraud cover, travel insurance and purchase protection continue where the card carried them.

Verification: IndusInd Bank ↗ · Confidence: High

▼ Redemption Observed 25 Mar 2025 · Effective 1 Apr 2025

Redemption fee raised; Pay-with-Rewards value cut

Cash redemption fee ₹100; no balance cap → ₹149 + GST cash redemption; twid per-txn fees; 50%-of-balance cap

A portfolio-wide reward devaluation effective 1 April 2025 raised the cash-credit redemption fee to ₹149 + GST (the Indulge is not among the exempt cards), added per-transaction twid 'Pay with Rewards' fees, cut the twid threshold from the 2nd transaction (15% to 12.5% on travel, 10% on other), imposed a 50%-of-balance cash-redemption cap, pulled back points on delinquency, and ended bonus points on fractional spends.

Verification: IndusInd Bank ↗ · Confidence: High

▼ Transfer Effective 21 Jan 2025

InterMiles redemption route discontinued

Points → InterMiles → InterMiles route withdrawn

IndusInd discontinued converting reward points to InterMiles across its credit cards, including the Indulge, effective 21 January 2025 — removing a long-standing airmiles redemption route. The Indulge was not among the cards later enabled for the replacement KrisFlyer transfer partner, so it lost airmiles conversion entirely.

Verification: CardAdvisor Research · Confidence: High

▼ Redemption Effective 1 Sept 2024

Cash redemption capped at 10,000 points/month

Uncapped cash redemption → Max 10,000 RP/calendar month (Indulge)

From 1 September 2024 IndusInd capped reward-point redemption against cash credit at 10,000 points per calendar month on the Indulge (versus a 5,000-point cap on the Legend and Tiger) — the first hard ceiling on burning Indulge points for statement credit. Catalogue and product redemptions on IndusMoments stayed uncapped.

Verification: CardAdvisor Research · Confidence: High

◆ Launch Effective 24 Jun 2013

Indulge launched — India's first 22-karat gold-inlay card

IndusInd launched the Indulge on 24 June 2013 as the first credit card in the Indian sub-continent with a pure 22-karat gold inlay in the card body, issued on the Visa Infinite platform. It carried a no-preset-spending-limit (dynamic authorisation above the credit limit), airport lounge, golf, concierge and curated lifestyle privileges, and was strictly by-invitation.

Verification: IndusInd Bank ↗ · Confidence: High

↓ Show all 6 changes Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Quick summary

Type Super Premium credit card

Reward rate 0.5%

Best for Existing IndusInd Bank customers seeking a status card

Joining fee ₹75,000

Annual fee ₹10,000

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 14 Aug 2026

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