IndusInd Bank Signature Credit Card: Benefits & Apply

IndusInd Bank Signature Credit Card Benefits & Apply

Summary

The IndusInd Bank Signature Credit Card is designed to give the user premium benefits and a rewarding experience. Sleekly and elegantly designed, this card has successfully combined aesthetics with functionality as it appeals to those who pay higher premiums for style and functionality.

One of its big draws is that it has a very smooth reward point system wherein every ₹100 spent on weekdays gives 1.5 reward points, and every ₹100 spent on weekends gives 2 reward points. These points can be redeemed for shopping, travel, or lifestyle options, meaning real value added to your spending.

In addition, this card brings in an entire suite of lifestyle and travel privileges. Be sure to use it free at airport lounges throughout India on every domestic journey and save money when going to eat. Concerning cinema-goers and people looking out for great entertainment offers, deals can be found in movies, tickets, and other event-related happenings.

Introduction

IndusInd Bank Signature Credit Card is designed for those people who want to live a life that is more comfortable and luxurious. IndusInd Bank Signature Credit Card not only offers you great benefits on your regular purchases but also comes with great travel, dining deals, and much more.

What makes IndusInd Bank Signature Credit Card special is the benefit of different reward points, cashback, and discounts. Be it traveling from a foreign land or within your country, with an IndusInd Bank Signature Credit Card, you can enjoy free lounge access at airports, discounts on hotel bookings, and much more.

Another special feature of the IndusInd Bank Signature Credit Card is its security features. If your card is lost or stolen, you are also given the facility to block it immediately so that your money is safe.

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

The Credit Card is for those who want to lead a more comfortable and luxurious life. With the Signature Credit Card, you will get fantastic travel and dining deals, and much more, apart from great rewards on your everyday shopping.

What makes Credit Card special is the benefit of different reward points, cashback, and discounts. Be it traveling from a foreign land or within your country, with a Signature Credit Card, you can enjoy free lounge access at airports, discounts on hotel bookings, and much more.

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

The Credit Card is a slim and classy credit card design. It embodies a modern, minimal design with sophisticated tones that symbolize class. This card comes in a rich finish with the card’s name and other information boldly featured, giving the owner a luxurious look of the metallic finish. Its general design is stylish yet functional enough to suit individuals who take beauty and functionality together in their financial resources.

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

Here are some of the top benefits:

  1. Reward Points: Every ₹100 one spends on weekdays earns 1.5 reward points, whereas every ₹100 spent on weekends can earn 2 reward points for redemption in terms of shopping or travel or the exciting options, which one feels like doing for once.
  1. Travel Benefits: Reap free complimentary access to chosen airport lounges across India to smoothen their travel.
  1. Dining Offers: Get extraordinary discounts and cash-back offers at handpicked restaurants, especially for food enthusiasts.
  1. Fuel Surcharge Waiver: Save money with a fuel surcharge waiver on fuel transactions at petrol pumps across India.
  1. Entertainment Offers: Avail special discounts on cinema tickets and events with family and friends.
  1. Insurance Cover: Get coverage by free insurance for travel and personal accident
  1. Easy EMI Options: Pay for high-value purchases as low EMIs, thus providing easier management of finance.

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

Here is a simple breakup of the Credit Card fees.

Joining Fee₹2, 499 + GST (one-time fee when you get the card).
Annual Fee₹2, 499 = GST per year. This will be waived if you spend ₹5,00,000 or more in a year.
Add-on Card FeeNo charges for additional cards for family members.
Finance Charges3.5% per month (45% 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 Signature Credit Card?

The following are the primary requirements:

  1. To apply for the Signature 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.15 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 Signature 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 Signature Credit Card be used?

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

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

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

Yes, getting an IndusInd Bank Signature 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

Credit Card is a premium credit card designed specifically for those who wish to take their financial life to the next level. IndusInd Bank Signature Credit Card offers a superior customer experience with its benefits, special offers, and great services.

All features of the Credit Card make it the best among the rest. It has a huge reward point with cashback and travel discounts on every transaction made. The bank makes sure you enjoy your life, whether it is in India or overseas because its acceptance and features make life so much easier.

Another important feature of Credit Card is its security. Chip and PIN technology has proved helpful in ensuring your financial information is safe from any kind of fraud. Besides, the 24×7 customer support gives you instant resolution for any issues you might have so that you will never face any kind of worry.

Frequently Asked Questions (FAQ’s)

Que: IndusInd Bank Signature Credit Card: What is the Annual Fee?

Ans: The annual fee may vary according to the policy of the bank; however, premium cards charge a higher fee and sometimes it is accompanied by several offers and benefits. To get the current, best information, you can approach the respective bank or log in to their official website.

Que: How can I apply for an IndusInd Bank Signature Credit Card?

Ans: You can apply online by visiting the IndusInd Bank website, or visit the nearest IndusInd Bank branch and fill up the form. While applying you have to submit your income, credit history, and personal details.

Que: What are the conditions of eligibility for approving the card?

Ans: For the Credit Card, you would normally require a high income level, a good credit score, and a sound financial position. The eligibility depends on the bank. It checks the credit history and income.

Que: How do the reward points of the IndusInd Bank Signature Credit Card get earned and redeemed?

Ans: You earn reward points on every transaction. You can convert these points into cashback, gift vouchers, or other offers. For complete details of points and how to use them, you can get information from the bank’s website or customer care.

Que: What to do in case of credit card loss or theft?

Ans: In case you have lost or stolen your credit card, immediately report the same to the bank. Through the customer care service of the bank, you can immediately block your credit card so that no unauthorized transactions are done in your account.

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