IndusInd Bank
IndusInd Bank Limited • RBI SCHEDULED COMMERCIAL BANK • MITC Verified
IndusInd Bank Debit Card Policy & 2025-2026 Devaluations: (1) Companion Lounge Access Revoked (October 2025): Standard Pioneer and Grandé debit cards (both Visa and Mastercard variants) lost free guest lounge privileges; only primary cardholder receives complimentary access (guests chargeable). Ultra-premium Solitaire Metal and Pioneer Private Infinite cards retain companion lounge benefit. (2) Spend-Gated Lounge Access (January 2026): Complimentary lounge entry for Grandé (2 visits/quarter) and standard Pioneer (3 visits/quarter) requires minimum retail spend threshold of ₹3,000 in preceding calendar quarter. (3) Strict ₹1,999 Fee Enforcement (November 1, 2026): Grandé Debit Card attracts strict ₹1,999 + GST annual fee if linked to non-Grandé or downgraded account.
Key Reward: 2.5 RP per ₹100 international; 1 RP per ₹100 domestic (1 RP = ₹1.00 statement credit, capped at 30k RP/cycle). 0% zero forex markup. Unlimited domestic & intl lounge visits (EXEMPT from spend gates). BMS 4 free tickets/qtr (up to ₹1k each); unlimited golf.
Key Reward: 2 Reward Points per ₹100 on all categories (1 RP = ₹1.00 statement credit). 2.0% forex. 2 domestic & 2 intl lounge visits/qtr (gated at ₹50k/qtr). BMS BOGO up to ₹350 (2x/mo); 2 golf/mo.
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 1 RP per ₹100 on weekdays; 2 RP per ₹100 on weekends. 4,000 bonus RP on ₹6L annual spend (1 RP = ₹0.50 cash, ₹0.75 vouchers). 1.8% forex. 1 domestic lounge visit/qtr (gated at ₹35k/qtr). BMS BOGO up to ₹200 (3x/mo).
Key Reward: 2.5 RP per ₹100 on e-commerce; 2 RP on airlines/travel; 1.5 RP on dining; 1 RP base domestic (1 RP = ₹0.50 cash, ₹0.75 air). 2.5% forex. 2 domestic & 2 intl lounge visits/qtr (gated at ₹50k/qtr). BMS BOGO up to ₹200 (3x/mo); 2 golf/mo.
Key Reward: 3 RP per ₹100 international; 1 RP per ₹100 domestic (1 RP = ₹0.75 cash credit, ₹1.00 air miles). 2.0% forex. 3 domestic & 2 intl lounge visits/qtr (gated at ₹50k/qtr). BMS BOGO up to ₹350 (2x/mo); 3 golf/mo.
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 1.5 Reward Points per ₹100 spent (1 RP = ₹1.00 statement credit, capped at 10,000 RP/cycle). 1.8% forex markup. BookMyShow BOGO up to ₹700 (3x/mo); 4 golf games/mo. ₹5L/qtr lounge spend gate.
Key Reward: 1 RP per ₹100 (1 RP = ₹0.40 cash credit, cashout capped at ₹5,000/mo). Up to ₹8,000 bonus on ₹6L annual spend. 1.5% forex markup. 2 domestic lounge visits/qtr (gated at ₹35k/qtr); 2 intl PP visits/yr. BMS BOGO up to ₹500 (2x/yr); 4 golf/yr.
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: Hybrid Debit + Credit card with two EMV chips. 1 RP per ₹150 on credit interface (1 RP = ₹0.50 cash). 1 domestic lounge visit/qtr via debit tier. BMS BOGO up to ₹250 (1x/mo).
Key Reward: Modular reward plans (Shop, Travel, Home, Party). Up to 4 RP per ₹100 on selected categories; 0.5 RP base (1 RP = ₹0.40 cash credit). ₹250 plan switch fee. Zero lounge access.
Key Reward: 1.5 Reward Points per ₹150 spent (1.0 RP/₹100). 1 RP = ₹0.40 cash credit (flat 0.40% yield). ₹100 redemption fee. Zero lounge access.
Key Reward: Interactive credit card with physical LED buttons for Credit, EMI, or 4K Points POS checkout. 1 RP per ₹150 (1 RP = ₹0.75 cash credit, strictly capped at 2,500 RP/mo). Min 500 RP. BMS BOGO up to ₹200 (1x/mo).
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 4 EazyPoints per ₹100 spent. Complimentary 3-month EazyDiner Prime access and instant PayEazy dining discounts.
Key Reward: 25 EazyPoints per ₹100 on dining via PayEazy; 10 EazyPoints per ₹100 base. Complimentary 1-year EazyDiner Prime (up to 50% dining discount); ₹1,000 off/mo PayEazy. 2 domestic lounge visits/qtr (gated at ₹35k/qtr).
Key Reward: 5 CRED Points per ₹100 on CRED Pay, Store & native CRED UPI (capped at 5,000 pts/mo); 1 CRED Pt on native Scan & Pay (max 500 pts/mo); 0% on third-party UPI. 1 pt = ₹1 travel / ₹0.50 bills. Zero lounge access.
Key Reward: 2 Reward Points per ₹100 on UPI (0.80% yield); 1 RP per ₹100 non-UPI (0.40% yield). 1 RP = ₹0.40 cash credit. ₹100 redemption processing fee. Zero lounge access.
Key Reward: 1% direct statement cashback across eligible retail, strictly capped at ₹200/month (maxed at ₹20,000 spend). Excludes rent, wallet, fuel, utility & govt.
Key Miles: 2 Reward Points per ₹100 spent
Key Reward: Direct Avios currency accumulation on British Airways & Qatar Airways. 1.5% preferential forex markup. 2 domestic & 2 intl lounge visits/qtr (gated at ₹50k/qtr). Visa Infinite privileges.
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 2 Reward Points per ₹100 spent
Key Reward: 1 RP per ₹100 domestic; 2 RP per ₹100 intl on business spending. 2.49% p.m. finance rate. Complimentary fire & burglary insurance up to ₹3 Lakhs. 2 domestic lounge visits/qtr (gated). B2B whitelist.
Key Reward: 2 RP per ₹100 domestic; 4 RP per ₹100 intl. Elite 1.99% p.m. finance charge. ₹10,000 welcome gift vouchers. Renewal waived on ₹1L; joining fee refunded on ₹4L spend. 3 domestic lounge visits/qtr (gated). B2B whitelist.
Key Reward: Working capital linked card tethered directly to sanctioned Overdraft or Cash Credit line. Seamless drawdown against working capital facility; zero standalone billing.
Key Reward: Enterprise corporate expense card with automated ERP accounting integration and centralized clearing. 2 domestic lounge visits/yr flat.
Key Reward: Enterprise corporate card with tiered B2B statement cashback scaling up to 1.10%. Centralized billing, ₹25 Lakh liability waiver. 2 domestic lounge visits/yr flat.
Key Reward: Enterprise corporate card with flat 0.40% B2B statement cashback. Centralized corporate settlement, 4th-line embossing, ₹25 Lakh corporate liability waiver. 2 domestic lounge visits/yr flat.
Key Advantage: Two-in-one credit & debit card in a single plastic card with lounge and movie perks
Key Advantage: 2.5% cashback up to ₹15,000/yr on dining/travel, quarterly lounges (spend-gated at ₹3,000/qtr) & golf
Key Advantage: Health and wellness focused debit card with free health checkup and lounge access
Key Advantage: Accelerated food, entertainment, and grocery cashback tailored for everyday spends
Key Advantage: 3 quarterly domestic airport lounges (spend-gated at ₹3,000) + 4 intl lounge visits, complimentary golf & Pioneer banking perks
Key Advantage: Zero fee exclusive banking card with 8 domestic lounges/year and BOGO movies
Key Advantage: Enhanced rewards on dining and weekend shopping with travel insurance
Key Advantage: Accelerated points on dining & apparel with quarterly lounge access
Key Advantage: Visa Signature luxury privileges with international lounge access and zero annual fee
Key Advantage: Accelerated retail rewards with quarterly airport lounge and movie savings
Key Advantage: Exclusive relationship card with global lounges, BOGO movies and 2% forex
Key Advantage: Movie ticket BOGO benefits, domestic lounges, and travel insurance cover