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IndusInd Bank Indulge Credit Card

The IndusInd Bank Indulge Credit Card is a premium travel and lifestyle card offering exclusive rewards. Cardholders enjoy 16 international lounge visits per year, unlimited golf lessons and games, and a buy-one-get-one-free movie ticket offer on BookMyShow. The first-year fee is ₹75,000 plus applicable taxes.

IndusInd Bank Indulge Credit Card

About IndusInd Bank Indulge Credit Card

This premium credit card features a luxurious gold inlay and comes without a pre-set spending limit, catering specifically to high-net-worth individuals. It offers a diverse range of benefits across dining, travel, lifestyle, and entertainment, making it a well-rounded choice for affluent cardholders. While the reward rate is modest at 1.5%, the card provides straightforward redemption with a 1:1 ratio for cash back or statement credit, adding flexibility despite the lower earning rate compared to some other high-end cards.

Travel perks include a competitive foreign exchange markup fee of 1.8% and 16 complimentary international lounge visits annually, though some competing cards with similar fees offer unlimited lounge access globally, which may appeal more to frequent travelers. The card’s strength lies in lifestyle privileges, including unlimited golf games and lessons, complimentary movie tickets, and dining discounts, making it a strong choice for those who value luxury experiences and entertainment alongside their financial flexibility.

Rewards & Travel Features

Earning Rewards

  • Earn 5 points for every Rs. 100 spent across all purchases.

  • Earn 0.7 points for every Rs. 100 spent on utilities, insurance, government payments, and educational expenses.

Using Rewards

  • Redeem points as cash credit, with 1 point equivalent to Rs. 11.

  • Convert points into airline miles at a rate of 200 points = 100 miles.

  • Use points to claim gift cards or select items from the rewards catalogue.

Travel Advantages

  • Enjoy a low foreign exchange conversion fee of 1.8%.

  • Receive 4 complimentary international airport lounge visits each quarter through a premium lounge program.

Additional Features & Perks

Golf Privileges

  • Unlimited access to golf games and lessons at standard golf courses.

  • 4 complimentary golf rounds per month at premium golf clubs.

Entertainment Perks

  • Buy One Get One offers on ticketing platforms, capped at Rs. 700 per ticket, up to 3 times a month.

  • Extra Rs. 50 discount on tickets when opting for food and beverage add-ons.

  • Special deals on selected events, theatres, and shows.

Dining Offers

  • Get Rs. 3,000 off on bills at 100+ partner restaurants, twice a year via dining platforms.

Fuel Advantage

  • 1% waiver on fuel surcharges at all petrol stations.

Annual Fee Waiver

  • Waiver on annual fee for spending Rs. 10 lakh or more in a financial year.

Other Exclusive Benefits

  • Complimentary 24/7 concierge assistance.

  • Personal accident insurance cover up to Rs. 25 lakh.

VISA Variant Benefits

  • Buy One Get One offer on movie tickets, up to Rs. 300 per transaction.

  • 20% off on non-movie tickets, up to Rs. 700 per transaction.

  • 25% discount on fast-track immigration services at over 450 airports globally.

  • 20% off standard rates on airport limousine transfer services.

IndusInd Bank Indulge Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

IndusInd Bank Indulge Credit Card: Fees & Charges

Particulars Amount
Joining Fee Rs. 75,000 + Applicable Taxes
Annual Fee Rs. 10,000 + Applicable Taxes
Finance Charges 1.79% p.m. | 21.48% p.a.
Late Payment Charges
For Statement Balance:
Up to Rs. 100 Nil
Between Rs. 101 and Rs. 500 Rs. 100
Between Rs. 501 and Rs. 1,000 Rs. 350
Between Rs. 1,001 and Rs. 10,000 Rs. 550
Between Rs. 10,001 and Rs. 25,000 Rs. 800
Between Rs. 25,001 and Rs. 50,000 Rs. 1,100
Above Rs. 50,000 Rs. 1,300

Important Information Before Applying

Who Should Consider This Card

  • Individuals seeking a premium credit card with luxury lifestyle perks, including unlimited golf access.

  • Those willing to pay a high joining fee of Rs. 75,000.

  • Users who prefer redeeming reward points as cashback for maximum value.

  • Those looking for a credit card with no preset spending limit.

Eligibility Requirements

  • Minimum Age: 21 years

  • Income Criteria: Annual income of Rs. 36 lakh to Rs. 42 lakh

Steps to Close IndusInd Bank Indulge Credit Card

Closing your IndusInd Indulge Credit Card properly ensures that all dues are cleared and your credit report remains accurate.

1. Pay Off Outstanding Balance

  • Clear all pending amounts, including purchases, EMIs, fees, and interest charges.

  • If you have multiple cards, you may transfer balances to a lower-interest card before closure to avoid extra charges.

2. Redeem Rewards

  • Use all accumulated reward points, cashback, or miles before closing your account.

  • Unused rewards are usually forfeited once the account is closed.

3. Update Automatic Payments

  • Check for subscriptions or auto-payments linked to the card.

  • Switch these payments to another active card or bank account to prevent missed payments or service interruptions.

4. Contact Customer Service

  • Call IndusInd Bank’s credit card helpline to request closure of your Indulge Credit Card.

  • Follow the instructions provided by the representative.

  • Note: Representatives may offer retention incentives; confirm closure if you still want to proceed.

5. Request Written Confirmation

  • Obtain written confirmation from the bank stating that your account is closed and no dues remain.

  • Keep this confirmation safely for future reference.

6. Monitor Your Credit Report

  • Check your credit report after a few weeks to ensure the card status is updated as “closed.”

  • Dispute any discrepancies with credit bureaus if necessary.

7. Dispose of the Card

  • Cut the card across the chip and magnetic strip or destroy it completely to prevent unauthorized use.

Important Tips

  • Do not share sensitive details like OTP, PIN, or CVV during calls or emails.

  • Stop using the card immediately after submitting the closure request.

  • Retain all communications and confirmation documents for future reference.

IndusInd Bank Indulge Credit Card Helpline Number

If you need help with your IndusInd Bank Indulge Credit Card, you can reach the bank’s customer support team for assistance with billing, payments, lost card reporting, account queries, or closure requests.

📞 24×7 Phone Support

Tip: Calling from your registered mobile number may help connect with a phone banking officer more quickly.

📱 WhatsApp / Alternate Line

  • 022 4406 6666 – Another number you can try for faster resolutions via call or WhatsApp chat.

📧 Email Support

Services You Can Get Help With

  • Credit card billing and payment questions

  • Statement or transaction support

  • Reporting lost or stolen cards

  • Requests to close your credit card

  • General card and account assistance

Before You Call or Email

  • Keep your registered mobile number and last 4 digits of the card ready for identity verification.

  • Be cautious not to share sensitive details like CVV, PIN, or OTP over calls or email.

  • Use only the official phone numbers and email IDs listed here to avoid fraud.

FAQs

Who is eligible to apply for this premium credit card?

Applicants must be at least 21 years old. Salaried individuals should have an annual income of Rs. 36 lakh or more, while self-employed applicants should earn Rs. 42 lakh or above.

You can apply online through the bank’s official portal by submitting a completed application form, or you can visit a nearby branch to apply in person.

Yes, cardholders receive up to 16 complimentary international lounge visits per year, with a maximum of 4 visits per quarter, through a premium lounge membership program.

This card comes with no preset spending limit. However, each transaction is approved based on your eligibility and the bank’s internal policies.

Yes, the card provides a Buy One Get One offer on movie tickets up to 3 times per month, with savings of up to Rs. 700 on the second ticket. An additional Rs. 50 discount applies when choosing the food and beverage option.

Yes, the reward points you earn can be redeemed for cashback, with each point valued at Rs. 1.