Cards / IndusInd

Joining fee

₹15,000

Annual fee

Free

Waiver spend

–

Forex markup

3.5%

Fee waiver

No annual fee, so nothing to waive.

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 rent (up to 500 points a cycle via third-party apps)
• 0.7 points per Rs 100 on utilities, insurance and education
• 1.5 points per Rs 100 on online travel and airline bookings
• 2.5 points per Rs 100 online
• 1 point per Rs 100 in store

No rewards on fuel.

Airport lounges

• Domestic: 1 visit a quarter
• International: 1 visit a quarter

International via Priority Pass outside India; domestic access needs Rs 1.5 lakh spend in the previous quarter (from the July 2026 quarter)

Points

Reward Points, worth about ₹0.75 each on the usual redemption.

Transfer partners: Singapore Airlines KrisFlyer (2:1), Air India Maharaja Club (2:1)

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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