Cards / IndusInd

Joining fee

₹75,000

Annual fee

₹10,000

Waiver spend

₹10,00,000

Forex markup

1.8%

Fee waiver

Spend ₹10,00,000 in a card year and the next annual fee is waived.

That is about ₹83,333 a month.

Work out what you still need to spend

Recent changes

• 1 July 2026Worse for you

  Domestic lounge access needs prior-quarter spends of Rs 5 lakh on Indulge and Solitaire and Rs 1.5 lakh on Legacy, Crest, Celesta and Pinnacle.

  Source

All card changes in 2026

Work it out for this card

How the app counts rewards

• 0.7 points per Rs 100 on utilities, insurance and education
• 1.5 points per Rs 100

No rewards on fuel.

Airport lounges

• Domestic: 6 visits a quarter
• International: 4 visits a quarter

International via Priority Pass outside India. Domestic access needs Rs 5 lakh spend in the previous quarter (from the July 2026 quarter)

Points

Reward Points, worth about ₹1 each on the usual redemption.

Who can apply

• Salaried: income of ₹36,00,000 a year or more
• Self-employed: income of ₹42,00,000 a year or more

Published minimums. Approval is the bank's decision.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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