IndusInd Bank Indulge Credit Card: Benefits & Apply

IndusInd Bank Indulge Credit Card Benefits & Apply

Summary

The IndusInd Bank Indulge Credit Card is a luxury, metal credit card for the high-net-worth individual seeking luxury, convenience, and exclusive privileges. It offers a sleek, durable metal design with an option for personalized engraving, making it unique and stylish.

It gives free access to airport lounges across both domestic and international airports. The card rewards the users well by offering 1.5 Reward Points for every ₹100 spent on weekdays and 2 Reward Points for every ₹100 spent on weekends, redeemable on flights, hotel stays, and cashback.

As an entertainer, the card has several offers like the Buy 1 Get 1 Free on movie tickets through BookMyShow as well as exclusive discounts at the best restaurants. Golf players would enjoy free golf sessions and coaching at specific courses.

Introduction

A credit card is no longer just a financial tool in the present era; it also portrays your personality and lifestyle in the present era. IndusInd Indulge Credit Card can be one such great luxury and premium facility option that fills life with such luxury and premium facilities. Indulge Credit Card is specially designed for those who are looking for the best services.

IndusInd Indulge Credit Card is not just a credit card, but it also promises to give you the best luxury services. Through IndusInd Bank Indulge Credit Card, not only can you make your shopping easier, but you also get different privileges, offers, and rewards that make your daily routine even more special.

In today’s article, we will discuss in detail about IndusInd Indulge Credit Card. In which we will tell you in detail about its benefits. Along with this, in this article, e we will also discuss the fees of IndusInd Indulge 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 Indulge Credit Card?

The premium and luxury IndusInd Indulge Credit Card is designed specifically for those who wish to take their lifestyle to the next level. It is India’s first metal credit card that comes not only with a stunning design as well as look but also loaded with a host of premium features.

Under this, cardholders also receive the advantage of lounge access at international and domestic airports, better deals at restaurants and hotels, privileges at golf courses, and personal concierge services. Apart from this, every transaction made through the IndusInd Indulge Credit Card generates reward points that can be redeemed on different services and products.

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

The IndusInd Indulge Credit Card is classily and premium designed. This is India’s first credit card made completely of pure metal, and the look is sleekly elegant. The card’s minimalist design has a smooth shiny finish that feels premium when touched.

It also comes with a personalized engraving, meaning that you can have your name on it, and that differentiates it from other credit cards. The whole body is composed of metal, making it hard but stylish, perfect for people who love unique and high-end credit cards.

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

Here are its key benefits along with real reward points:

Luxury Lounge Access

  • Free unlimited international and domestic airport lounge access.
  • Complimentary refreshments and Wi-Fi are available.

Reward Points on Every Spend

  • Earn 1.5 Reward Points per ₹100 spent on weekdays.
  • Earn 2 Reward Points per ₹100 spent on weekends.
  • Use those for flight reservations, hotel, or cashback.

Dining & Entertainment Offers

  • Movie tickets via BookMyShow: Buy 1 Get 1 Free.
  • Exclusive discounts at upscale restaurants.

Concierge

  • 24/7 travel booking, hotel booking, and restaurant reservation help

Golf Privileges

  • Free golf sessions and coaching at some venues free of charge.

No Fuel Surcharge

  • The fuel surcharge is free for transactions between ₹400 to ₹4,000.

Insurance Cover

  • Personal accidents cover up to ₹2.5 crores.
  • Travel and baggage insurance cover.

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

Here is a simple breakup of the Indulge Credit Card fees.

Joining Fee₹1,99,999 + GST (one-time fee when you get the card).
Annual Fee₹1,99,999 = GST per year. This will be waived if you spend ₹25,00,000 or more in a year.
Add-on Card FeeThere are no charges for additional cards for family members.
Finance Charges3.5% 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 Indulge Credit Card?

The following are the primary requirements:

  1. To apply for the IndusInd Indulge 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 2 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 Indulge Credit Card?

The documents that you will have to submit to get an Indulge 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 months 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 Indulge Credit Card be used?

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

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

The credit amount you can spend is what you are provided with an IndusInd Indulge 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 Indulge 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 Indulge Credit Card.
  • Just hover your cursor on the  IndusInd Bank Indulge 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 Indulge Credit Card.
  • Request for the credit card application form of the IndusInd Indulge 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 IndusInd Indulge 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 Indulge Credit Card in 2025 be right?

Yes, getting an IndusInd Bank Indulge 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

The IndusInd Indulge Credit Card is a premium credit card for the customer who needs luxury and exclusivity in life. It’s not just an instrument of financial service but a status symbol that enhances privileges and superior services. Its metallic design and features make it one of the best credit cards available in India.

The key attraction to the IndusInd Indulge Credit Card is the premium services it offers by providing access to airport lounges, special deals available for restaurants and hotels, golf privileges, and personal concierge services. IndusInd Bank Indulge Credit Card merely enhances your travel, dining, and shopping experience and keeps you feeling good everywhere you go.

The IndusInd Bank Indulge Credit Card is an elite option for whoever desires a caffeine and sophisticated style along with more convenient access to financial ease of mind. Besides satisfying all needs, the Credit Card has made you privileged enough to own exclusive experiences whether in some tourist traveling or some extravagant shopping.

Frequently Asked Questions (FAQ’s)

Que: How can I use IndusInd Bank Indulge Credit Card reward points?

 Ans: You can redeem the reward points earned on the IndusInd Indulge Credit Card on various products, services, flights, hotels, and gift vouchers. You can get information on how to use reward points from the bank’s website or customer support.

Que: Is the airport lounge facility available on IndusInd Bank Indulge Credit Card?

Ans: Yes, IndusInd Bank Indulge Credit Card holders get airport lounge access internationally and domestically and make your traveling more comfortable too.

Que: Can I transact in foreign currencies using an Ian IndusInd Bank Indulge Credit Card?

Ans: Yes you can also trade overseas using the IndusInd Indulge Credit Card. In addition to this, you will also earn exclusive discounts/offers on abroad foreign currency exchange.

Que: What is the advantage of the metal material of IndusInd Bank Indulge Credit Card?

Ans: The design of the metal credit card gives it a premium look and feel. Also, metal cards are more durable and provide a better experience when using them.

Que: Are there any special discounts or offers for IndusInd Bank Indulge Credit Card?

Ans: With the IndusInd Bank Indulge Credit Card, you enjoy special discounts and offers at various shopping, dining, and travel. To view such deals and offers, you can check the bank’s website or the card’s promotional material.

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