IndusInd Bank Gold Credit Card
CancelFour earn maps, one card — and a savings point that became an airline mile at one to one, until it didn't.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹0 gross (earn ₹0) against its ₹0 fee = ₹0 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #1040
Why #1040 A 2014 entry card with FOUR selectable earn maps — Shop, Home, Travel, Party — and one of the cleanest airline exits of its generation while it lasted: a savings point converted to an airline mile at 1:1 in 2014, halved to 0.5 Partner Miles by the card's last page in 2019. ₹500 once to get it and nothing to renew, on IndusInd's own last fee table that named it.
IndusInd priced this card's point itself, twice on the same page: "1 savings point = Re 0.50 or 1 airline mile", and in the redemption section "1 reward point = Re.0.5 of cash value". The ₹0.80 house value carried for IndusInd Reward Points today reflects the Maharaja Club route the Tiger reaches; this card's exits were the ₹0.50 statement credit and an airline mile that ran 1:1 in 2014 and 0.5:1 by 2019, so its earn is modelled on the ₹0.50 CASH leg — the one that never moved — with the difference baked into `base`.
Best real exit: Singapore Airlines KrisFlyer at ₹0.28/pt (4:1 transfer).
The take
Most Indian entry cards of 2014 gave you one reward table and told you to like it. This one gave you four and let you pick: Shop paid four savings points per ₹100 at departmental stores, Home paid four at the grocer, Travel paid four at hotels and two and a half on airline tickets, Party paid four at restaurants. Everything outside your chosen map earned half a point per ₹100. What made it more than a cashback card is the exit IndusInd printed beside every one of those tables: a savings point was worth fifty paise as a statement credit, OR one airline mile. One to one, with no conversion band and no minimum — a rate no live Indian entry card matches today. On the Travel Plan that is two and a half miles per ₹100 of airfare, which was a genuinely good deal. It did not last, and IndusInd never announced the change. By the card's last capture, in November 2019, every one of the four plan tables had been re-footnoted "* 1 saving point = Rs 0.5 or 0.5 Partner Mile" — the airline leg halved, the cash leg untouched — while the rewards terms lower down the SAME page still read "100 Reward Points = 100 miles on partner airlines". The identical contradiction sits on the Business card's 2019 page. Take the halved rate as the card's real one: 1.25 miles per ₹100 of airfare on the Travel Plan, not two and a half. The price took some finding, because the product page has no schedule of charges at all — the only fee table on it belongs to CPP, the optional card-protection insurance, and a card's price is not read off an insurer's tariff. It is in the regulatory document instead. IndusInd's bank-wide MITC priced the Gold at ₹500 to join and ₹250 a year in 2011, then dropped the renewal fee to nil in the edition dated 23 October 2012 — the last IndusInd fee table that names the card at all. So: five hundred rupees once, nothing thereafter, for four earn maps and an airline exit that was worth one mile a point when you took the card and half of that when IndusInd stopped selling it. IndusInd's live entry rungs are the Platinum RuPay and Samman families.
Your renewal — keep, downgrade or cancel
This card charges nothing at the anniversary — its one fee was taken at issue. There is no renewal decision to make; keeping it costs ₹0 a year.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0/yr · ₹500 joining (one-time)
At your spend
₹800 a year at ₹3,00,000 of annual spend
₹1,500 a year at ₹6,00,000 of annual spend
₹3,000 a year at ₹12,00,000 of annual spend
₹9,000 a year at ₹36,00,000 of annual spend
₹15,000 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
IndusInd Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 25 Aug 2026 Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus a program these points reach
- 20 Aug 2026 IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner a program these points reach
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Four selectable earn maps — Shop, Home, Travel or Party — each paying 4 savings points per ₹100 in its own top category
- The Travel map paid 4 points per ₹100 on hotels and 2.5 on airline tickets
- A savings point converted to an airline mile at 1:1 in 2014 — halved to 0.5 Partner Miles by 2019 — or to a statement credit at 50 paise throughout
- A spend-analysis tool built into the card's servicing, unusual for an entry product in 2014
Watch out
- THE PRODUCT PAGE PRICES NOTHING — the only fee table on it is the optional CPP insurance tariff; the ₹500 comes from IndusInd's bank-wide MITC, and the renewal fee it charged in 2011 was dropped to nil in 2012
- The card fell off IndusInd's fee table entirely after 2012 and survives on later ones only as an EXCLUSION from the fuel-surcharge waiver, so a late-vintage holder's price is not on the record at all
- Withdrawn — absent from IndusInd's live 33-product credit-card index
- You picked ONE plan; everything outside its categories earned half a point per ₹100, which is 0.25%
- The 1:1 airline conversion named no airline programme on the page, so the mile it bought is unverified
- THE AIRLINE LEG WAS HALVED without an announcement — the 2014 tables read "1 airline mile", the 2019 tables read "0.5 Partner Mile", and the rewards terms on that same 2019 page still claimed a hundred points bought a hundred miles
- No lounge benefit of any kind appears on the page
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 21 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Delhi → Singapore Economy 76,000 IndusInd Reward Points via Singapore Airlines KrisFlyer at 4:1 the play
- Bengaluru → Singapore Business 180,000 IndusInd Reward Points via Singapore Airlines KrisFlyer at 4:1
- Mumbai → Delhi First 320,000 IndusInd Reward Points via Air Canada Aeroplan at 12.8:1 (through Singapore Airlines KrisFlyer → Marriott Bonvoy) the play
Where the miles go
1 program
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every IndusInd Bank route, side by side → · the IndusInd Reward Points hub →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. The product page survives only in the archive and IndusInd's live index has no card of this name. Platinum RuPay, Samman RuPay and Nexxt are the entry products on sale today, and all three are on this board.
IndusInd Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 18 Aug 2026Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in years
- 6 Aug 2026MaxCoins' full transfer catalogue surfaces — Accor at 2:1 re-prices the coin to ₹1.08
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme
- 2 Aug 2026Flipkart SuperCoins into Maharaja Club improve to 2:1
- 26 Jul 2026Air India's quiet network retreat: Tokyo moves, Paris and San Francisco go, Malé pauses
Every IndusInd Bank change we've dated → 10 events since 2016, 8 of them nerfs — worst year 2025.
Verified against IndusInd Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official IndusInd Bank's own Gold Credit Card product page, archived 24-May-2014 — the four plan tables, the 50-paise point and the 1:1 airline-mile exit
- official IndusInd's last Gold Credit Card page, November 2019 — the four plan tables with the airline leg halved to 0.5 Partner Miles, and the bank's own line that it is no longer sourcing the card
- official IndusInd Bank's bank-wide credit-card MITC dated 23 October 2012 (archived 13-Mar-2013) — the last IndusInd fee table that names this card, at ₹500 to join and nothing to renew
- official IndusInd Bank's live credit-card range — 33 products, and no Gold card among them