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INDUSIND BANK LTD
IndusInd Bank Payback Credit Card
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Verified Catalog
Source: INDUSIND BANK LTD Official
Updated: Sep 2026
Overview
Editorial snapshot & Positioning.
Co-branded rewards card in partnership with PAYBACK offering accelerated points earning for movies, dining, and shopping
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Pay through EMI, reward points, or credit
Highlight 2
1 reward point for every ₹150 spent
Highlight 3
Fuel surcharge waiver nationwide
Highlight 4
Entertainment offers and discounts
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
₹249
The front-loaded charge when you apply.
Annual fee
Free
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
₹1,620
Metro Points value at ~₹0.3 per point.
Annual Fee: Free100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"8 Complimentary visits per year (2 per quarter)"
Hotel Privileges
"Complimentary Taj Epicure Membership on spending ₹12 lakh annually"
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
"CA membership proof, income proof, address proof, ID proof"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Premium travel and lifestyle card worth the fee for frequent travelers who can utilize lounge access, low forex markup, and milestone benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Rewards Type: Metro Points
- Welcome Offer: Free 3-month EazyDiner Prime membership (worth ₹1,095)
- 1 RP = 0.30 Airmiles
- 1 RP = ₹0.15 for cashback
Cons
- Base Rate: 4 RP per ₹100 on all other spends
- RP to Rupees: 1 RP = ₹0.30 for flight/hotel bookings on SmartBuy
- 1 RP = up to ₹0.25 for product catalogue
- Domestic Airport: 8 Complimentary visits per year (2 per quarter)
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