Summary
The IndusInd Bank Iconia Visa Credit Card is a great premium credit card for those who indulge in rewards, luxury, and exclusive benefits. Such a card offers high rewards points, and the best travel and lifestyle privileges, for frequent shoppers and movie lovers to travelers.
Entertainment benefits include Buy One, Get One Free movie on BookMyShow with a maximum of 2 free tickets in a month that could save up to ₹400. Travel perks include free access to domestic airport lounges for hassle-free travel. It also gives discounts at the finest restaurants, luxury hotels, and premium stores.
In addition, the users save up to ₹240 per month due to a 0% fuel surcharge. Transactions between ₹400 and ₹4,000 earn them some benefits. Some travel-related benefits include travel insurance free of charge and cashback against airline tickets, hotels, and vacation packages. The contactless payments of the card offer liability protection if there is fraud.
Introduction
With IndusInd Bank Iconia Visa Credit Card, you get the benefit of many great reward points, cashback, and discounts, which make it different from other credit cards. Apart from this, IndusInd Bank Iconia Visa Credit Card also offers great benefits during your everyday expenses like shopping, travel, dining, and entertainment.
The biggest feature of the Iconia Visa Credit Card is that you get reward points on every expense, which you can use at your convenience. Whether it is booking airline tickets or online shopping, the Iconia Visa Credit Card makes your life more comfortable and beneficial.
In today’s article, we will discuss in detail about IndusInd Bank Iconia Visa Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of Iconia Visa Credit Card and will also discuss in detail how to apply for it. Therefore, read this article till the end so that you do not face any problems later.
What is the IndusInd Bank Iconia Visa Credit Card?
Credit Card is for those who expect the best out of everything for their lifestyle. Iconia Visa Credit Card has a list of numerous benefits and rewards that are way beyond other credit cards.
With Iconia Visa Credit Card, not only can the customer save through reward points and cashback, but they also get to avail a wide range of benefits on travel perks, golf club memberships, and luxury shopping. Credit Card is suitable for customers who wish to make their daily life special and comfortable.
How is the design of the IndusInd Bank Iconia Visa Credit Card?
The design of the Credit Card gives a premium and sophisticated look representing luxury as well as exclusiveness. It’s sleek and modern in its looks, giving an aesthetic appeal to those who believe in the elegant lifestyle. The card is finished with a refined finish and carries stylish looks that make it quite classy and professional.
The overall design is minimalist yet high-end, and it will look cool in the wallet. The use of top-quality materials with a surface polish gives it an exquisite feel. The branding is discreetly visible and creates an exceptionally distinctive look without being over the top.
What are the benefits of the IndusInd Bank Iconia Visa Credit Card?
Here are the key rewards for real reward points:
Reward Points on Every Spend
- Earn 1.5 reward points per ₹100 spent on weekdays (Monday to Friday).
- Earn 2 reward points per ₹100 spent on weekends (Saturday & Sunday).
- These points never expire and can be redeemed for gifts, travel bookings, or cash credit.
Movie Offers
- Get Buy One, Get One Free movie tickets on BookMyShow (up to ₹200 per ticket).
- You may avail 2 complimentary tickets in a month. This works out to ₹400 per month, that’s overall savings.
Lounge Access
- Get free domestic airport lounge access at select lounges in India.
- Relax with complimentary snacks, Wi-Fi, and comfortable seating.
Dining & Lifestyle Discounts
- Get exclusive discounts at top restaurants and premium lifestyle stores.
- Special deals on luxury hotels, golf courses, and more.
Fuel Surcharge Waiver
- No fuel surcharge is applicable for all transactions between ₹400 and ₹4,000 at any petrol pump across the country.
- Save ₹240 every month on fuel.
Travel Benefits
- Travel worry-free with free travel insurance cover
- Enjoy special discounts on your flights, hotels, and holiday packages.
Contactless & Secure Payments
- Just tap to pay quickly and securely.
- Get zero liability protection against fraudulent transactions in case of loss or theft of your card.
What are the fees for the IndusInd Bank Iconia Visa Credit Card?
Here is a simple breakup of the Iconia Visa 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 Fee | No charges for additional cards for family members. |
Finance Charges | 3.8% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
Late Payment Fee | For 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 Iconia Visa Credit Card?
The following are the primary requirements:
- To apply for the Iconia Visa Credit Card, you must be between 18 and 70 years old.
- 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.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- 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.
- You must be an Indian resident and have valid address proof within the country.
- 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.
- 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 Iconia Visa Credit Card?
The documents that you will have to submit to get a Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the IndusInd Bank Iconia Visa Credit Card be used?
Here is the list of places where you can use it:
- With the Iconia Visa 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 Iconia Visa Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Iconia Visa 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 Iconia Visa Credit Card?
The credit amount you can spend is what you are provided with an Iconia Visa 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 Iconia Visa 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 Iconia Visa Credit Card.
- Just hover your cursor on the IndusInd Bank Iconia Visa 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 IndusInd Bank Credit Card.
- Request for the credit card application form of the Iconia Visa 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 Iconia Visa 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 Iconia Visa Credit Card in 2025 be right?
Yes, getting an IndusInd Bank Iconia Visa 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
IndusInd Bank Iconia Visa Credit Card is an excellent choice for those who not only want to simplify and streamline their financial transactions but also provide you with a better lifestyle experience. Being a premium credit card, Iconia Visa Credit Card also offers its cardholders several benefits and services that make their everyday spending even more special.
The biggest feature of Iconia Visa Credit Card is its flexibility and benefits. Whether you are shopping, traveling, or enjoying dinner at your favorite restaurant, Iconia Visa Credit Card allows you to save in the form of great rewards and cashback at every opportunity.
For golf lovers, Iconia Visa Credit Card offers an additional advantage as through this you can enjoy free games and other premium services at different golf courses. Plus, its enhanced rewards program lets you earn reward points on every spend that you can use on travel, shopping, and entertainment.
Frequently Asked Questions (FAQ’s)
Ans: All transactions done with Iconia Visa Credit Card earn reward points. These reward points can be used for your shopping, travel bookings, and other services.
Ans: Reward points can be redeemed against travel bookings, airline tickets, hotel bookings, and shopping vouchers. You can redeem these points for various goods and services through IndusInd Bank’s reward catalog.
Ans: Iconia Visa Credit Card holders enjoy the facility of free golf games at the best golf courses in India. Further, at the various golf courses, golf lovers are accorded exclusive discounts and services.
Ans: The annual charge of the Iconia Visa Credit Card varies according to the bank and may be different every year due to the premium feature offered by the Iconia Visa Credit Card. This charge is according to the terms and conditions of the bank at the time of the issuance of the credit card.
Ans: Here is a list of some of the best credit cards issued by IndusInd Bank:
Platinum RuPay Credit Card
EazyDiner Credit Card
Legend Credit Card
Edge Visa/Master Credit Card
Avios Visa Infinite Credit Card
Pinnacle Credit Card