IndusInd Bank Duo Credit Card: Benefits & Apply

IndusInd Bank Duo Credit Card Benefits & Apply

Summary

The IndusInd Bank Duo Credit Card is India’s first two-chip credit card. It carries both Visa and Mastercard in one card. This makes it highly convenient as one doesn’t have to carry multiple cards. The card offers reward points on every spend, where users earn 1 reward point per ₹150 spent on both Visa and Mastercard sides.

For movie enthusiasts, a card gives them a Buy One, Get One Free on movie ticket offer on BookMyShow wherein up to 2 free tickets per month can be availed with a savings of about ₹400 per month. Moreover, a fuel surcharge will not be levied on spends between ₹400 and ₹4,000, cutting down their expenses up to ₹240 per month on fuel alone.

The card also offers exclusive in-house and out-of-house dining, shopping, travel booking, and luxury stay experiences for those who appreciate premium lifestyle experiences. Contactless payments are available along with zero liability protection in case of loss or fraud.

Introduction

IndusInd Bank Duo Credit Card is an innovation and new product that is revolutionizing the credit card world. IndusInd Bank Duo Credit Card is a specially designed card for those who wish to manage their purchases or expenses more conveniently and avail themselves of more benefits. However, the biggest feature of the IndusInd Bank Duo Credit Card is that it has two cards in one plastic, one being the credit card and the other the debit card.

Using the IndusInd Duo Credit Card makes not only shop more satisfactorily but also earn reward points, cashback, and much more. More benefits are designed by Credit Card based on the lifestyle and expenses you have.

It also provides exclusive rewards on various categories like shopping, travel, and dining, so every expense becomes an investment for you. Apart from this, IndusInd Bank Duo Credit Card offers a secure and seamless transaction process that ensures your financial security.

Today in this article, we will talk in detail about the IndusInd Bank Duo Credit Card. Here we will explain in detail the benefits of the IndusInd Bank Credit Card. Also, here in this article, we will discuss the fee of IndusInd Duo Credit Card, and along with that, we will also describe how you can apply for it. So read this article till the end so that you may not face any problems later on.

What is the IndusInd Bank Duo Credit Card?

IndusInd Bank Duo Credit Card is an innovative and contemporary form of credit card designed by IndusInd Bank. What distinguishes it from others is that it unites the functions of two cards within a single plastic card. This means that you can make both credit and debit transactions using one card only.

In that way, the Duo Credit Card saves you the trouble of carrying extra cards, and hence the convenience gets multiplied. This credit card has been designed specifically for those individuals who want to streamline their routine purchases and monetary operations with the use of just one single card.

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

The Credit Card is a card that has a unique and stylish design. It is India’s first two-chip credit card, which simply means that it is both Visa and Mastercard, all in one card. This special design makes it easier to use the networks without carrying multiple cards.

It’s modern and premium in look and finish, has a professional feel to it, and is dual-face; that is, users can flip the card to use either side for transactions. This makes it convenient, space-saving, and innovative, making it perfect for people who want both style and functionality in one card.

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

Here are the key benefits:

1. Dual Network Advantage

  • This is India’s first two-chip credit card with Visa and Mastercard in one card.
  • Use Visa on one side and Mastercard on the other, making it more convenient.

2. Reward Points on Every Spend

  • Earn 1 reward point per ₹150 spent on the Visa side.
  • Earn 1 reward point per ₹150 spent on the Mastercard side.
  • These reward points never expire and can be redeemed for shopping, travel, or cash credit.

3. Movie Offers

  • Get Buy One, Get One Free on BookMyShow movie tickets.
  • Enjoy up to 2 free tickets per month, saving around ₹400 every month.

4. Fuel Surcharge Waiver

  • No fuel surcharge on transactions between ₹400 and ₹4,000.
  • Save up to ₹240 per month on fuel.

5. Dining & Shopping Discounts

  • Special deals on top restaurants, shopping outlets, and lifestyle stores.
  • Exclusive deals for travel booking and luxury stay

6. Contactless & Secure Transactions

  • Tap-and-pay for speedy, frictionless payments.
  • Get zero liability protection in case your card is lost or stolen.

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

Here is a simple breakup of the Credit Card fees.

Joining Fee₹3, 499 + GST (one-time fee when you get the card).
Annual Fee₹3, 499 = GST per year. This will be waived if you spend ₹1,00,000 or more in a year.
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges3.8% per month (42% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment FeeFor Statement Balance
Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

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

The following are the primary requirements:

  1. To apply for the Duo Credit Card, you must be between 18 and 70 years old.
  1. The income requirement differs according to your employment status:
  • Self-Employed Professionals: A minimum Annual income of Rs.1.5 lakhs usually does the job.
  1. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
  1. Your credit score plays a role in the selection process. It is a tendency for IndusInd Bank to favor borrowers with a better credit score usually above 750. 
  1. You must be an Indian resident and have valid address proof within the country. 
  1. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
  1. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

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

The documents that you will have to submit to get a Credit Card are as below:

Identity ProofAadhaar card, Passport, Voter ID, Driving license, PAN card
Address ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons
Income ProofSalary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
PhotographThe latest passport-sized photograph

Where can the IndusInd Bank Duo Credit Card be used?

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

  • With the IndusInd Duo 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 also 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, as well as to 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 Duo Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
  • The Duo 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 Credit Card?

The credit amount you can spend is what you are provided with a Duo 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 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 Duo Credit Card.
  • Just hover your cursor on the Duo Credit Card, followed by selecting ‘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 submitting 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 Duo Credit Card.
  • Request for the credit card application form of the Duo Credit Card. They will provide you with the form and proceed accordingly.
  • Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
  • Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
  • 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 Duo 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, or 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 Credit Card in 2025 be right?

Yes, getting an IndusInd Bank Duo 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. On top of that, the bank 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 make sure that 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

This smart, modern solution with the IndusInd Bank Duo Credit Card brings in more comfort and benefits over the traditional credit and debit cards. With this card’s double function, this Duo Credit Card is best suited for people wanting to simplify their financial transactions and make it as streamlined as possible.

In addition to this, the IndusInd Bank Credit Card gives you benefits like reward points, cashback, and exclusive discounts across categories that make your spending habits even more rewarding. Whether it is travel, shopping, dining, or anything else, the IndusInd Bank Duo Credit Card offers great benefits that make it a premium product.

It also has features that make it safer, with contactless payments and EMI options. IndusInd Bank Credit Card will be the right choice for someone who wants more freedom with financial freedom along with various features and benefits to lifestyle with a single card.

Frequently Asked Questions (FAQ’s)

Que: On which spending can you earn reward points with IndusInd Bank Duo Credit Card?

Ans. IndusInd Bank duo earns reward points on spending for shopping, travel, dining, and other categories; you can redeem them to avail many better offers.

Que: Through which methods can I apply for IndusInd Bank Duo Credit Card?

Ans: You can apply for IndusInd Bank Credit Card either through the official website of IndusInd Bank or by visiting the nearest bank branch. For this, you need to provide your personal and financial information.

Que: Does IndusInd Bank Duo Credit Card offer an EMI option?

Ans: Yes, the IndusInd Bank Credit Card also comes with the EMI facility. On making big purchases you could convert into easy monthly installments.

Que: Is it safe to use IndusInd Bank Duo Credit Card?

Ans: Yes, the Duo Credit Card comes with advanced security features such as CVV, OTP-based transactions, and contactless payments, making transactions safe.

Que: Can I make international transactions with IndusInd Bank Duo Credit Card?

Ans: Yes, Duo Credit Card can be used for international transactions as well, provided the card is enabled for international usage by the Bank.

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