IndusInd Bank Payback Credit Card
IndusInd Bank Payback Credit Card
Pay through EMI, reward points, or credit
1 reward point for every ₹150 spent
Fuel surcharge waiver nationwide
Personalized Match by CredHunt • credhunt.com
Co-branded rewards card in partnership with PAYBACK offering accelerated points earning for movies, dining, and shopping
Joining Fee
₹249
Annual Fee
₹0
Rating
5.0/5.0(0 reviews)
Key Features
Pay through EMI, reward points, or credit
1 reward point for every ₹150 spent
Fuel surcharge waiver nationwide
Entertainment offers and discounts
Rewards Program
Base Rewards
Reward Type
Metro Points
Base Reward Rate
4 RP per ₹100 on all other spends
Point Value
1 RP = ₹0.30 for flight/hotel bookings on SmartBuy; 1 RP = 0.30 Airmiles; 1 RP = up to ₹0.25 for product catalogue; 1 RP = ₹0.15 for cashback
Points Expiry
N/A
Bonus Rewards
Welcome Offer
Free 3-month EazyDiner Prime membership (worth ₹1,095)
Accelerated Rewards
Up to 10 reward points per ₹200 spent
Card Benefits
Travel Benefits
8 Complimentary visits per year (2 per quarter)
Complimentary Taj Epicure Membership on spending ₹12 lakh annually
Dining & Entertainment
Not applicable (digital-only)
Movie ticket offers; special access to events
Lifestyle & Protection
Exclusive discounts at premium dining places
Trip Cancellation Coverage
Not Available
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | N/A |
| Annual Fee | N/A |
| Add-on Card Fee | ₹99 + GST |
| Foreign Currency Markup | N/A |
| Cash Advance Fee | N/A |
| APR | 3.6% per month (43.2% annual) |
| Late Payment Fee | N/A |
| Fuel Surcharge | Waiver available for transactions between ₹200 to ₹500 |
| Balance Transfer Charges | N/A |
Additional Charges
Statement & Processing
Duplicate Statement Charges
N/A
Dynamic Currency Conversion Fee
N/A
EMI Charges
N/A
Loan Processing Fee
N/A
Outstation Processing Charge
N/A
Additional Fees
Overlimit Fees
N/A
Payment Return Charges
N/A
Railway Ticket Purchase Fee
N/A
Card Reissue Fee
N/A
Rent Pay Transactions
N/A
Rewards Redemption Fee
N/A
Fee Waiver Conditions
Annual fee waived on spends of ₹7.5 lakh in the previous year
Eligibility & Documents
Eligibility Criteria
Minimum Income
N/A
Minimum Age
N/A
Required Documents
CA membership proof, income proof, address proof, ID proof
Expert Opinion
Premium travel and lifestyle card worth the fee for frequent travelers who can utilize lounge access, low forex markup, and milestone benefits
Customer Reviews
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Experience the premium benefits of the IndusInd Bank Payback Credit Card today.