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INDUSIND BANK LTD
IndusInd Bank Indulge Credit Card
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Verified Catalog
Source: INDUSIND BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Ultra-premium metal card with 22K gold inlay design offering excellent golf benefits and luxury experiences for high-net-worth individuals seeking premium lifestyle privileges
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
1.5% reward rate
Highlight 2
Unlimited golf rounds
Highlight 3
Premium dining benefits
Highlight 4
22K pure gold inlay design
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹45,000
The front-loaded charge when you apply.
Annual fee
₹10,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹1,350
Bank Prime Points value at ~₹0.25 per point.
Annual Fee: ₹10,00014% Offset
Earns back 14% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"12 visits per year (3 per quarter)"
Hotel Privileges
"Complimentary Priority Pass membership worth $99; 1 free lounge visit per month (with min ₹20,000 spend in previous month); Up to 12 lounge access per year"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Same as SELECT card"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Convenient digital add-on for enabling UPI transactions with your credit card; relatively low fee but adds little value beyond UPI functionality"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Rewards Type: Bank Prime Points
- Welcome Offer: ₹500 voucher on spend of ₹5,000
- Base Rate: Points on retail, utility, and insurance transactions
- Accelerated Rewards Program: 10X rewards on spends above ₹20,000 in a month
Cons
- RP to Rupees: Devalued from ₹0.25 to ₹0.15 per point (effective April 1, 2025)
- Domestic Airport: 12 visits per year (3 per quarter)
- Dining: Special dining privileges at partner restaurants
- complimentary membership to culinary programs
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