IndusInd Bank Indulge Credit Card
IndusInd Bank · Visa
Why this card?
- 1% back in reward points on eligible spends
- ₹5,000 joining and annual fee
- 24 domestic and 16 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- IndusInd Bank
- Network
- Visa
- Annual Fee
- ₹5,000
- Joining Fee
- ₹5,000
- Reward Type
- points
- Best Reward Rate
- 2% on 2 reward points per ₹100 on all spends — redeem for flights, hotels, or merchandise at 1 RP = ₹1
- Forex Markup
- 1.8%
- Domestic Lounge
- 24/yr
- Min. Monthly Income
- ₹3,00,000
- Rates verified
- 2026-10-06
Our verdict
IndusInd Indulge is a super-premium Visa card aimed at higher-income applicants (minimum monthly income ₹3 lakh). It offers up to 24 domestic and 16 international lounge visits a year, complimentary golf games and lessons, and a 1.8% forex markup. Lounge access is now capped, and domestic visits depend on spend in the previous quarter, so check the current terms. Best suited to IndusInd relationship holders who will use the lounge and golf benefits.
Pros
- Up to 24 domestic and 16 international lounge visits a year
- 1.8% forex markup — low for international spends
- Complimentary golf — 4 games and 4 lessons per month
- Dedicated relationship manager adds personalized service layer
Cons
- No spend-based fee waiver — the fee applies regardless of spend
- Reward earn rate and point value are not clearly stated, and fuel and rent earn no points
- IndusInd network at ATMs and branches thinner than HDFC/ICICI
- Domestic lounge visits depend on ₹5 lakh spend in the previous quarter