IndusInd Bank Duo Plus Credit Card: Features & Apply

Summary

In short, the IndusInd Bank Duo Plus Credit Card is an intelligent, innovative, and rational answer for new-generation users. It is a first-of-its-kind dual-sided card, with two EMV chips and two magnetic stripes, i.e., two cards in one with the benefits of two cards. One side comes with the amenities of a credit card, while the other side works as a debit card. This breakthrough structure not only looks trendy but also helps with better money management.

Also, the card gives various lifestyle benefits in the way of reward points on all spends, Buy 1 Get 1 Free tickets for movies at BookMyShow, and surcharge rebates on fuel. Besides those, cardmembers are also offered complimentary insurance coverage such as air accident and travel insurance. These make it an ideal choice for people who frequently travel or shop and have entertainment a lot.

Security-wise, it provides contactless payment functionality, PIN and chip protection, and even protection from lost card liability. So, you can shop with confidence in India and abroad because it is accepted everywhere around the world.

Introduction

When it comes to credit cards, choosing the right one is confusing. With so many options available, choosing a card that offers great value, amazing rewards, and total convenience is key. A great example of this type of card is the IndusInd Bank Duo Plus Credit Card. This exceptional card is uniquely created for individuals looking for style and clever features in the same location.

Apart from this, the Duo Plus Credit Card has wonderful features that compensate you for shopping, dining, travel, and fuel consumption. Whether you buy groceries or cinema tickets, this card rewards you with points on almost, transactions. You can then exchange these points for thrilling gifts, vouchers, and offers. And there is more, because the card also offers you lifestyle privileges and special offers, and that is the reason why it will best fit those who desire to have it all – luxury and practicality.

And one more excellent advantage of the IndusInd Bank Duo Plus Credit Card is that it can be used internationally. So, be it domestic or international travel, you can use this card effortlessly. It also comes with zero lost card liability, which implies that if your card gets stolen or lost, you will not be liable for any unauthorized transactions after reporting a loss. This offers a good amount of protection and assurance.

Apart from that, the process of getting this card is very easy and hassle-free. You can apply online through the IndusInd Bank website by submitting a quick application form and uploading your preliminary documents. The bank will check whether you are eligible for it or not and will issue approval if you meet the criteria.

What is the IndusInd Bank Duo Plus Credit Card?

IndusInd Bank Duo Plus Credit Card is a pioneering and unique credit card that brings you twin benefits in the shape of one card. Unlike regular credit cards, this card features two magnetic strips and two EMV chips, one on either side of the card. This unique shape makes it India’s first dual-sided credit card, and you get to enjoy the features of two credit cards combined.

Additionally, it is designed for people who want style and smart features in one card. On the front, it works like any credit card, while on the back, it can be customized for additional features such as rewards or travel advantages. As a result, you have greater flexibility and greater value with every purchase.

How is the design of the IndusInd Bank Duo Plus Credit Card?

The IndusInd Bank Duo Plus Credit Card is not just smart and chic. Unlike regular credit cards with only a single chip and a single magnetic stripe, this card contains two EMV chips and two magnetic stripes, one on each side. This is India’s first dual-sided credit card, and you can use either side of the card for various purposes. As a result, you get the benefit of two cards in one single piece of plastic.

The card is also thin and modern in design, so it feels premium. You can use one side of the card as your primary credit card, with the other side being configured with extra features such as exclusive rewards or lifestyle enhancements. This special design is not only trendy but also provides extra convenience.

What are the benefits of the IndusInd Bank Duo Plus Credit Card?

The following are the major advantages of the card:

1. Dual Functionality

The card is both debit and credit in a single card with two EMV chips and magnetic strips on both sides. With this setup, you can deal with both accounts handily without the need for two cards.

2. Reward Points

Get 1 reward point for each ₹150 spent on the credit card. The points are redeemable as rewards and cashback, among others, on the IndusMoments website.

3. Entertainment Offers

Get a ‘Buy One Get One Free’ offer on BookMyShow tickets booked for cinema, every month. The maximum reward is ₹250 per free ticket.

4. Fuel Surcharge Waiver

Enjoy a 1% rebate on fuel surcharge between ₹400 to ₹4,000 at any Indian petrol pump.

5. Travel Insurance

The card offers free travel insurance cover, including:

• Lost baggage: up to ₹1,00,000

• Delayed baggage: up to ₹25,000

• Loss of passport: up to ₹50,000

• Lost ticket: up to ₹25,000

• Missed connection: up to ₹25,000

6. Insurance Benefits

The card offers many insurance covers:

• Air accident insurance: up to ₹25,00,000

• Personal accident insurance: up to ₹2,00,000

• Purchase protection: ₹50,000

• Lost card liability: ₹3,00,000

7. Concierge Services

Avail 24×7 concierge services for hotel booking, flight ticket booking, and movie ticket booking.

8. Contactless Payments

The card is contactless payment-enabled with the latest technology to make quick and secure payments with just a touch at assisted terminals.

What are the fees for the IndusInd Bank Duo Plus Credit Card?

Here is a simple breakdown of the  IndusInd Bank Duo Plus Credit Card fees.

Joining Fee	Rs. 1,500 + GST
Annual Fee	Rs. 799 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a charge of 3.83% per month (45.96% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IndusInd Bank Duo Plus Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IndusInd Bank Duo Plus Credit Card?

The documents that you will have to submit to get the IndusInd Bank Duo Plus Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IndusInd Bank Duo Plus Credit Card be used?

Here is the list of places where you can use it:

• With the IndusInd Bank Duo Plus Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IndusInd Bank Duo Plus Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  IndusInd Bank Duo Plus Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IndusInd Bank Duo Plus Credit Card?

The credit amount you can spend is what you are provided with an IndusInd Bank Duo Plus Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IndusInd Bank Duo Plus Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the IndusInd Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by IndusInd Bank; for instance, you can choose the  IndusInd Bank Duo Plus Credit Card.

• Just hover your cursor on the  IndusInd Bank Duo Plus Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest IndusInd Bank branch to apply for the  IndusInd Bank Duo Plus Credit Card.

• Request the credit card application form for the  IndusInd Bank Duo Plus Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IndusInd Bank Duo Plus Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the IndusInd Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an IndusInd Bank Duo Plus Credit Card in 2025 be right?

Getting an IndusInd Bank Duo Plus Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

IndusInd Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

In brief, the IndusInd Bank Duo Plus Credit Card is a new and unique financial tool that brings together convenience, rewards, and security under the cover of one slim card. Unlike common credit cards, this card is unique in that it has a double-sided design, with two EMV chips and magnetic stripes, the first in India. Not only does it make it easy to handle two different accounts, but it also gives your wallet a smart and contemporary look.

Also, the card comes with a variety of rewards that make your expenses on a daily basis worth it. From gaining reward points on every purchase to acquiring buy-one-get-one-free offers on movie tickets, the card enhances your lifestyle in numerous ways. And to add to all this, the petrol fuel surcharge waiver saves money on fuel expenses, while travel insurance and personal accident cover ensures an added level of protection for your travel.

Along with that, if you like digital payments, you will love the fact that this card also supports contactless payments so that you can easily and securely make payments through a tap. This is ideal for those who are always on the move and like quick and easy payment methods.

Frequently Asked Questions (FAQ’s)