Indus Solitaire
KeepZero forex markup and 32 lounge visits a year. The points are an afterthought and that is fine.
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
Welcome: 5,000 bonus Reward Points on ₹1 lakh spent within 30 days of card issuance
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. 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 →
Breaks even only by erasing its fee at ₹89,000 a month
At ₹89,000 a month — ₹10,68,000 a year — on the everyday mix this card returns ₹5,400 gross (earn ₹5,400) against a fee of ₹0 — the ₹10,000 is waived, the spend having cleared ₹10,00,000 a year = ₹5,400 net — the first rung at or above ₹0. 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.
3 notes on the card itself: how it is issued · the network variants · why it ranks #74
Why #74 On earn alone this card belongs near the bottom of the board — 0.55% is thin at any fee. It is ranked here for the money it stops you spending rather than the points it pays: a waived foreign-currency markup is worth ₹17,500 on ₹5 lakh of overseas spend, which no reward rate on this shelf matches, and thirty-two complimentary lounge visits a year plus a year of Taj Epicure are real ₹ the value model does not price.
Denied or downgraded? The head-to-heads: IndusInd PIONEER Private.
Solitaire redeems at 2:1 into KrisFlyer (₹0.55 a point) or ₹0.50 as cash credit — both below the ₹0.80 house value, which is set by the Tiger's 1:1 Maharaja route this card does not get. IndusInd publishes two different airmile rates for this card and we price the worse one: the KrisFlyer table its product page links today says 200 points buy 100 miles, while the April-2024 product terms still on that page say 5 points buy 4. Live and specific beats old and generic.
Best real exit: Singapore Airlines KrisFlyer at ₹0.28/pt (4:1 transfer).
The take
Only three cards on IndusInd's entire shelf have their foreign-currency markup waived outright, and the Indus Solitaire is the one nobody talks about — the fee schedule lists it beside Pioneer Heritage and Pioneer Private at a true 0%, and exempts it from the dynamic currency conversion fee, the third-party rent fee, the fuel fee and the transport fee too. Put that beside sixteen complimentary international lounge visits a year and sixteen domestic, both entered on the card plastic, and you have a travel proposition that most ₹10,000-a-year cards cannot touch. Do not come for the points. One Reward Point per ₹100 leaves at 2:1 into KrisFlyer — ₹0.55 apiece, 0.55% of your spend — and drops to 0.7 points on utilities, insurance, government, education, real estate and rent, with fuel earning nothing. The value is the markup you don't pay and the rooms you sit in: on ₹5 lakh of foreign spend, a waived 3.5% markup is ₹17,500 back, which is more than the fee twice over. Taj Epicure Preferred for a year, EazyDiner Prime, Mastercard World Elite golf at twelve rounds a year and US$25,000 of overseas health cover round it out. The catch is the door: this comes with the Indus Solitaire banking programme, not an application form, and the domestic lounge quota now demands ₹5,00,000 of spend every quarter to stay alive.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹10,000/yr at stake · 5 spend bands
The charge ₹30,000 joining, then ₹10,000/yr
The waiver ₹10,00,000 of spend in the year before renewal — about ₹83,333 a month — and the renewal fee is not charged.
Break-even ₹89,000 a month — ₹10,68,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
−₹8,500 a year, net of the fee, at ₹3,00,000 of annual spend
−₹7,000 a year, net of the fee, at ₹6,00,000 of annual spend
₹6,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹18,100 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹30,100 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
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
- 0% foreign-currency markup — one of only three IndusInd cards with the markup waived outright in the fee schedule
- 16 international + 16 domestic complimentary lounge visits a year (4 + 4 a quarter), both on the card plastic
- Taj Epicure Preferred membership for a year — night stay, room upgrades, set meals, spa, 25% off dining
- Exempt from the dynamic-currency-conversion fee, the third-party rent fee, the fuel fee and the transport fee
- Mastercard World Elite golf: 12 complimentary green fees and 12 lessons a year, 3 of each a quarter
Watch out
- 0.55% real reward rate — 1 Reward Point per ₹100 at a 2:1 KrisFlyer exit, and 0.7 points on utilities, insurance, government, education, real estate and rent
- No Air India Maharaja route: Air India's per-card IndusInd table does not list Solitaire
- Fuel spends earn nothing at all
- Domestic lounge access is spend-gated from 1-Apr-2026 — ₹5,00,000 in the previous quarter or the 4 visits do not appear
- The Mastercard variant's complimentary ITC membership was withdrawn on 5-Oct-2025, and anyone boarded from 15-Sep-2025 never got it
- Taj Epicure is a FIRST-YEAR benefit and must be claimed by phone after the joining fee is paid in full
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
What earns, what doesn't
6 sourced rules · 1 pay zero
Clause 2.2's MCC list is Pioneer Private's list minus two entries — no telecom (4812), no janitorial (7349), no MCC 4112. Solitaire is also exempt from the 1% rent, education and fuel fees.
- Fuel · excluded No Reward Points on fuel from 1-Apr-2018 (bank-wide notice on the product page); the MITC exempts Solitaire from the 1% fuel fee as well
- Utilities (electricity/water/gas) · reduced 0.7 RP/₹100 vs 1 RP/₹100 — MCC 4900; the 1% fee on utility spend above ₹25,000 a cycle still applies
- Insurance · reduced 0.7 RP/₹100 vs 1 RP/₹100 — MCCs 5960 and 6300
- Government / tax · reduced 0.7 RP/₹100 vs 1 RP/₹100 — MCCs 9211, 9222, 9311, 9399, 9402, 9405 and 8220
Does your spend count toward the fee waiver?
not published — and we say which
₹10,00,000 a year is the bar that waives the ₹10,000 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. IndusInd Bank states what the Indus Solitaire earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹10,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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
43 of 793 tracked doors
Gate: ₹5,00,000 prior-quarter spend (domestic) from the Jul-2026 quarter — tracking began 1-Apr-2026
Opens 43 of 793 tracked lounge doors across 24 airports , via Mastercard India — see the full map →
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.
Invite-only — there is no public application form. The bank calls you.
The card comes with the Indus Solitaire banking programme rather than through a form — IndusInd's own credit-card listing gives it a "Know More" button where Legend and Pinnacle get "Apply Now". The realistic route is to build the Solitaire banking relationship first and ask your relationship manager for the card; the bank publishes no income or age cutoff for it.
IndusInd Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official IndusInd Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Joining ₹30,000 + GST, renewal ₹10,000 + GST waived on ₹10 lakh or more of spend in the last anniversary year, add-on free — read off the master MITC's own fee table. Mastercard World Elite. Solitaire is one of only three IndusInd cards exempt from the dynamic-currency-conversion fee, the third-party rent fee, the 1% fuel-transaction fee and the transport-transaction fee, alongside Pioneer Private and Pioneer Heritage. The MITC names Solitaire on the Lounge Key usage-fee row and notes Priority Pass is available to it only on request. Earn is 1 Reward Point per ₹100, 0.70 on utilities, insurance, government, education, real estate and rent, and nothing on fuel.
per the official IndusInd Bank MITC · reviewed 10 Jul 2026
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 — 6 of them, each with the day we read it
- official Product page — 1 RP/₹100 (0.70 on utilities, insurance, government, education, real estate and rent; nil on fuel), 4 international + 4 domestic lounge visits a quarter, zero forex markup
- official Master MITC (Version 4.5, August-2026) — ₹30,000 joining / ₹10,000 annual waived at ₹10 lakh spend, forex WAIVED for Indus Solitaire, and no DCC, rent, fuel or transport fee
- official The KrisFlyer redemption table this card's own page links — "200 Reward Points | 100 Krisflyer Miles", minimum 500 points, multiples of 100, 10,000 points a calendar month
- official Domestic lounge terms effective 1-Apr-2026 — Solitaire gets 4 complimentary domestic visits a quarter on ₹5,00,000 of previous-quarter spend
- official Detailed product terms for the Indus Solitaire card (April 2024) linked from the product page — the ₹30,000 joining fee, the 1 RP/₹100 earn and the 5,000-point welcome
- official Credit-card listing — zero forex markup, Taj Epicure Preferred, 16 international and 16 domestic lounge visits a year, US$25,000 travel health cover