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IndusInd Bank credit cards: 14 you can apply for

The best one for most people is IndusInd Tiger.

₹32,000a year after fees, at ₹75,000 a month

IndusInd Tiger credit card

IndusInd Tiger

₹32,000 a year, after fees

₹0 fee · Lounges in India and abroad · 1.5% forex markup · Reward rate 1%–6%

Keep

It pays back the most of the 13 IndusInd Bank cards open to apply that we can value.

Rank all 14 at your own spend in the card finder

Verified 6 sources

Points and where they go

IndusInd Bank's main points currency is IndusInd Reward Points, worth ₹0.80 a point: 2 airline and hotel programmes take them. Its cards earn 7 kinds of points in all.

What IndusInd Bank cards earn
ProgrammeWorth a pointCardsPartners
IndusInd Reward Points₹0.80272
EazyDiner Reward Points₹0.102none
Avios (BA / Qatar / Finnair)every way to earn them ₹1.001none
CRED Reward Points₹1.001none
Lufthansa Miles & Moreevery way to earn them ₹1.002none
InterMiles₹0.202none
PAYBACK Points (now Zillion Coins)₹0.251none

2 more cards pay cash back. Values are what we think a point is worth in India.

Every IndusInd Bank transfer partner 10 routes
IndusInd Reward Points: where they transfer
Transfer toRatioOne point becomesTime
Air India Maharaja Club1:1₹1.002–4 working days
Singapore Airlines KrisFlyer4:1₹0.28up to 15 working days

Ratios read IndusInd Reward Points : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Avios (BA / Qatar / Finnair): where they transfer
Transfer toRatioOne point becomesTime
Club Iberia Plus (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Qatar Airways Privilege Club (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Finnair Plus (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Aer Lingus AerClub (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Vueling Club (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Loganair Loyalty (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
ALL - Accor Live LimitlessAvios (BA / Qatar / Finnair) is itself a programme: a move between programmes 7:2₹0.61not published
Marriott BonvoyAvios (BA / Qatar / Finnair) is itself a programme: a move between programmes 2:1₹0.25within 8 weeks

Ratios read Avios (BA / Qatar / Finnair) : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Compare every route, including longer ones through other programmes

Recent changes

All 14 IndusInd Bank changes since 2016

All 51 IndusInd Bank cards

Fees run ₹0 to ₹25,000, and 13 of them are genuinely free for life; 10 charge nothing a year but a joining fee to get in. We cannot value 20 of them: IndusInd Bank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 25 keep, 12 downgrade, 14 cancel.

Open to apply 14

  1. IndusInd Tiger credit card

    IndusInd Tiger

    ₹32,000 a year, after fees

    ₹0 fee · Lounges in India and abroad · 1.5% forex markup · Reward rate 1%–6%

    Keep

  2. IndusInd Avios Visa Infinite credit card

    IndusInd Avios Visa Infinite

    ₹29,800 a year, after fees

    ₹10,000 joining + ₹5,000/yr · Lounges in India and abroad · 1.5% forex markup · Reward rate 1.5%–3%

    Its milestone pays only from ₹8 lakh a year — the low end of this range

    Keep

  3. IndusInd Legend credit card

    IndusInd Legend

    ₹9,000 a year, after fees

    ₹5,000 joining · 1.8% forex markup · 2 transfer partners · Reward rate 0.8%–1.6%

    Keep

  4. IndusInd Pinnacle World credit card

    IndusInd Pinnacle World

    ₹6,600 a year, after fees

    ₹15,000 joining · Lounges in India and abroad · 2 transfer partners · Reward rate 0.8%–2%

    Ranked higher: its bonus category adds ₹2,000 a year

    Keep

  5. IndusInd Platinum RuPay credit card

    IndusInd Platinum RuPay

    ₹5,100 a year, after fees

    ₹10,000 joining · 1 transfer partner · Reward rate 0.6%–1.2%

    Ranked higher: its bonus category adds ₹1,600 a year

    Keep

  6. IndusInd Platinum

    ₹5,100 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.6%

    Keep

  7. IndusInd Duo

    ₹4,500 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.5%

    Keep

6 more open to apply by value

  1. IndusInd Samman RuPay

    ₹2,400 a year, after fees

    ₹0 joining + ₹199/yr · Reward rate 1%

    Keep

  2. EazyDiner IndusInd Signature

    ₹400 a year, after fees

    ₹2,999 fee · Reward rate 0.4%–1%

    Ranked higher: its bonus category adds ₹1,600 a year

    Keep

  3. IndusInd ePay Amex

    ₹1,100 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.2%

    Keep

  5. IndusInd Platinum Aura Edge

    ₹1,700 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.2%–1.6%

    Ranked higher: its bonus category adds ₹1,100 a year

    Downgrade

Invite only 8

  2. IndusInd Pioneer Legacy

    ₹9,800 a year, after fees

    ₹50,000 joining · Lounges in India and abroad · 1.8% forex markup · Reward rate 0.8%–1.6%

    Ranked higher: its bonus category adds ₹2,000 a year

    Keep Invite only

  3. IndusInd PIONEER Private

    −₹1,700 a year, after fees

    ₹25,000 fee · Lounges in India and abroad · No forex markup · Reward rate 3%

    Keep Invite only

  4. Indus Solitaire

    −₹5,500 a year, after fees

    ₹30,000 joining + ₹10,000/yr · Lounges in India and abroad · No forex markup · Reward rate 0.6%

    Keep Invite only

  5. IndusInd Celesta

    −₹2,800 a year, after fees

    ₹25,000 joining + ₹5,000/yr · Lounges in India and abroad · 1 transfer partner · Reward rate 0.3%–0.8%

    Downgrade Invite only

  6. IndusInd Indulge

    −₹4,000 a year, after fees

    ₹75,000 joining + ₹10,000/yr · Lounges in India and abroad · 1.8% forex markup · Reward rate 0.8%

    Downgrade Invite only

  7. IndusInd Crest

    −₹7,800 a year, after fees

    ₹75,000 joining + ₹10,000/yr · Lounges in India and abroad · 1 transfer partner · Reward rate 0.3%–0.7%

    Downgrade Invite only

  8. IndusInd Pioneer Heritage

    −₹18,200 a year, after fees

    ₹1,00,000 joining + ₹25,000/yr · Lounges in India and abroad · No forex markup · Reward rate 0.8%–2%

    Downgrade Invite only

Business cards 7 cards

  1. IndusInd Vrddhi Business

    ₹14,400 a year, after fees

    ₹10,000 joining + ₹4,999/yr · Lounges in India · 1 transfer partner · Reward rate 1.6%–3.2%

    Keep

  2. IndusInd Saarthi Business

    ₹7,200 a year, after fees

    ₹2,500 joining + ₹1,499/yr · Lounges in India · 1 transfer partner · Reward rate 0.8%–1.6%

    Keep

  3. IndusInd eSvarna Corporate

    Not valued fee or rewards not published

    Fee not published · Lounges in India and abroad

    Keep

  4. IndusInd Contactless Corporate

    Not valued fee or rewards not published

    Fee not published · Lounges in India

    Keep

  5. IndusInd Fortuna Prima

    Not valued fee or rewards not published

    Fee not published · Lounges in India

    Keep

  6. IndusInd Fortuna AdvantEdge

    Not valued fee or rewards not published

    Fee not published · Lounges in India

    Keep

Closed or paused 22 cards

  1. IndusInd Iconia Amex

    ₹8,900 a year, after fees

    ₹3,499 joining · Lounges in India and abroad · 1 transfer partner · Reward rate 1.1%–1.5%

    Keep Closed

  2. Poonawalla Fincorp IndusInd eLITE RuPay

    ₹6,000 a year, after fees

    ₹0 fee · Lounges in India · 1 transfer partner · Reward rate 0.4%–1%

    Ranked higher: its bonus category adds ₹1,400 a year

    Downgrade Closed

  3. IndusInd Iconia Visa

    ₹5,000 a year, after fees

    ₹3,499 joining · 1 transfer partner · Reward rate 0.6%–0.8%

    Downgrade Closed

  6. IndusInd PAYBACK Credit Card

    ₹7,000 a year, after fees

    ₹249 joining · Reward rate 0.5%–5%

    Ranked higher: its bonus category adds ₹1,200 a year

    Cancel Closed

  7. IndusInd Bank Gold Credit Card

    ₹2,300 a year, after fees

    ₹500 joining · 1 transfer partner · Reward rate 0.3%–2%

    Cancel Closed

  9. IndusInd Signature Visa

    Not valued fee or rewards not published

    Fee not published · Lounges in India · 1 transfer partner · Reward rate 1.1%

    Downgrade Closed

  10. IndusInd Platinum Aura

    Not valued fee or rewards not published

    Fee not published · 1 transfer partner · Reward rate 0.2%–1.6%

    Downgrade Closed

  11. IndusInd Platinum Select

    Not valued fee or rewards not published

    Fee not published · 1 transfer partner · Reward rate 0.4%

    Downgrade Closed

  12. IndusInd Aura Edge Government

    Not valued fee or rewards not published

    Fee not published · Reward rate 1%

    Keep Closed

  13. Club Vistara IndusInd Explorer

    Not valued fee or rewards not published

    ₹40,000 joining + ₹10,000/yr

    Downgrade Closed

Filter IndusInd Bank cards by fee, lounges or forex

Standard charges

The charges IndusInd Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

IndusInd Bank's standard charges
ChargeWhat the bank saysOur readCards
Cash withdrawal fee2.5% of the advance, min ₹30014 of 25
Add-on card feeNilFree18 of 20

Cards counts the IndusInd Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

IndusInd Bank in RBI's figures

Cards in force
29,75,026
2.4% of India's cards
Spent in August 2026
₹4,727 crore
65% of it online
Spend per card
₹15,888
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The IndusInd Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official Master MITC (Version 4.5, August-2026) — NIL joining, ₹25,000 annual waived at ₹10 lakh spend and ₹50,000 on downgrade from PIONEER Private status, forex waived, one add-on only read
  2. Official Co-brand MITC PDF — STALE on the AMOUNTS (still prints the launch ₹40,000 joining / ₹10,000 annual) read
  3. Official Key Facts Statement — OD/CC Linked Commercial Card — Not Applicable joining and annual fees, 1.99% + GST forex, real-time OD/CC debit, Rewards/Cashback As Applicable read
  4. Official MITC PDF — joining, annual and add-on fees all Nil; 3.5% per month / 42% p.a; interest; 1.5% foreign-currency mark-up + GST; ₹100 rewards-redemption fee read
  5. Official Product page — "Complimentary access to Amex lounges", the weekday/weekend earn, the ₹3,499 issuance charge with a nil annual renewal fee, and the discontinuation notice read
  6. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read