IndusInd Bank Indulge Credit Card: Benefits and Features

The IndusInd Bank Indulge Credit Card is created for those people or individuals who love to travel, shop, and dine with their families, as this Indusind Bank credit card offers a good number of benefits in these niches. The IndusInd Bank Indulge Credit Card stands out from regular credit cards due to its unique feature of a pure 22K gold inlay, making it truly exceptional. 

Today, let us talk about this credit and look at all the specifications and features of this credit card.

Fees and Charges

• Pay Rs. 100 for Reward Points: When you want to use your reward points to get something like gifts or discounts, there is a small fee of Rs. 100. So, even though the points are helpful, you’ll need to pay this fee to redeem them.
• Buying in Another Currency Costs Extra: When using the IndusInd Bank Indulge Credit Card abroad or making purchases from an international website, a fee of 1.8% of the transaction amount will apply, in addition to GST.
• Interest for Not Paying on Time: If you fail to pay your entire credit card bill by the due date, the bank will impose interest charges. The interest is 1.79% per month, which adds up to 21.48% per year. So, it’s better to pay on time to avoid paying extra money.
• Fuel Surcharge Waiver: When you use the IndusInd Bank Indulge Credit Card to buy fuel, the usual 1% fuel surcharge won’t be charged if the amount is between Rs. 400 and Rs. 4,000. 
• Cash Withdrawal Charges: If you take cash out of an ATM using your IndusInd Bank Indulge Credit Card, you will be charged 2.5% of the cash amount. However, the bank will always charge you at least Rs. 300, no matter how little cash you take out.

IndusInd Bank Indulge Credit Card Details

• First Card with 22K Gold: The IndusInd Bank Indulge Credit Card is the first credit card in India to have pure 22K gold on it, making it super fancy and unique.
• No Credit Limit: With this card, there’s no fixed limit on how much you can spend, so you have more freedom to make big purchases when you need to.
• Earn 1.5 Reward Points on Spending: For every Rs. 100 spent using the IndusInd Bank Indulge Credit Card, you will receive 1.5 reward points. This means more points every time you use your card.
• Use Reward Points for Cool Stuff: You can use your reward points for things like Airmiles (to get discounts on flights), cash credit, or for gifts and experiences from IndusMoments.
• Free Lounge Access at Airports: You get free access to domestic and international airport lounges, which means you can relax and enjoy perks at the airport without paying extra.
• Free Priority Pass Membership: This card gives you a free Priority Pass membership, which lets you access hundreds of airport lounges around the world.
• Buy One, Get One Free on Movie Tickets: When you buy a movie ticket on BookMyShow with your IndusInd Bank Indulge Credit Card, you get another ticket for free. 
• Free Golf Games: You can play unlimited golf for free at selected golf courses with the IndusInd Bank Indulge Credit card. This is a great deal for people who love golf.
• Lower Interest Rate: The interest rate on this card is lower than usual, at just 1.79% per month. This helps if you ever need to pay off your balance slowly.
• Rs. 2.5 Crore Personal Accident Cover: This card comes with personal air accident insurance worth Rs. 2.5 crores, which provides safety and peace of mind when you travel.
• Protection if You Lose the Card: If you lose your card, you’re protected from any charges made up to 48 hours before you report it. This means you won’t be responsible for purchases made with your lost card.
• 24/7 Concierge Service: The IndusInd Bank Indulge Credit Card gives you access to a 24×7 concierge service, which helps you with things like booking tickets, making reservations, or sending gifts.

Benefits of IndusInd Bank Indulge Credit Card

• Movies and Dining Fun: You get a Buy One Get One Free ticket offer on BookMyShow for movies. Each transaction is capped at Rs. 700, and you can get up to 3 free tickets each month. Perfect for movie lovers.
• Earn Reward Points Easily: You earn 1.5 reward points for every Rs. 100 spent using the IndusInd Bank Indulge Credit Card. 
• Use Reward Points for Great Stuff: You can use your reward points for things like AirMiles (to get discounts on flights), cash credit (to reduce your bill), or to get cool items and experiences from IndusMoments.
• Travel Perks: Use your reward points for AirMiles and enjoy a complimentary Priority Pass membership. You get 2 free international lounge visits every quarter and 6 free domestic lounge visits every quarter with the Visa Lounge program.
• Free Domestic Lounge Access: You can visit domestic airport lounges 6 times every quarter for free under the Visa Lounge program. It’s a great way to relax before flights.
• Unlimited International Lounge Access: With your Priority Pass, you get unlimited free access to international airport lounges. You can enjoy these lounges whenever you travel abroad.
• Unlimited Free Golf: You can play unlimited free golf games or get golf lessons at some of the best golf spots in the country. Perfect for golf lovers.
• Big Insurance Benefits: The IndusInd Bank Indulge Credit Card offers personal air accident insurance worth Rs. 2.5 crores, giving you extra protection when you fly.

IndusInd Bank Indulge Credit Card Eligibility Requirements

• For Salaried People: If you have a job, you need to make at least Rs. 36 lakh per year to be eligible for the IndusInd Bank Indulge Credit Card.
• For Self-Employed People: If you run your own business, your income should be at least Rs. 42 lakh per year to qualify for this card. For more details, click here.

Documents for IndusInd Bank Indulge Credit Card

• Proof of Identity: You need one document to prove who you are. You can use any one of these: Aadhar Card, PAN Card, Driving License, Voter’s ID, or Passport.
• Proof of Address: To show where you live, you’ll need a document like your Passport, driving license, or Aadhar Card.
• Proof of Income: To prove how much money you make, you’ll need your latest salary slips, recent bank statements, or your most recent Income Tax Return (ITR).

How To Apply IndusInd Bank Indulge Credit Card?

• Apply Online: You can apply for the IndusInd Bank Indulge Credit Card through Card Insider. Just click the “Apply Now” button, fill in your details, and submit your application. You will need documents like proof of identity, address, and income to complete the process.
• Apply Offline: If you prefer, you can also visit the nearest IndusInd Bank branch to apply. Fill out the physical application form there. Don’t forget to bring all the required documents with you, like your identity, address, and income proofs.

Conclusion

The IndusInd Bank Indulge Credit Card is designed for people who enjoy traveling, dining, and shopping with great perks and rewards. It stands out with its pure 22K gold inlay, unlimited golf, free lounge access, and other luxurious benefits. While it comes with a high joining fee, the card offers valuable rewards like free movie tickets, airport lounge access, and a lower interest rate, making it an attractive option for high-spenders. With personal accident insurance and no preset spending limit, this card offers both security and flexibility.

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