IndusInd Bank Indulge Credit Card
Rs 10,000Annual fee
24Domestic lounge
Domestic lounge conditions
- 6 complimentary domestic lounge visits per calendar quarter (effective July 2026 quarter onwards, requires minimum spend of Rs 5,00,000 in the previous quarter to unlock access)
- 4 complimentary international lounge visits per calendar quarter via Priority Pass
1.8%Forex markup
Best for
travel, lounge, golf, luxury
Top rewards
Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100
IndusInd Bank Crest Credit Card
Rs 10,000Annual fee
Rs 10,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 2 complimentary domestic lounge visits per calendar quarter (effective July 2026 quarter onwards, requires minimum spend of Rs 5,00,000 in the previous quarter to unlock access)
- 2 complimentary international lounge visits per calendar quarter via LoungeKey
1.8%Forex markup
Best for
luxury, travel, lounge, golf, wellness
Top rewards
Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100
| Feature | IndusInd Bank Indulge Credit Card | IndusInd Bank Crest Credit Card |
|---|---|---|
| Issuer | IndusInd Bank | IndusInd Bank |
| Network | Visa Infinite | Mastercard, Visa |
| Joining fee | Rs 75,000 | Rs 75,000 |
| Annual fee | Rs 10,000 | Rs 10,000 |
| Fee waiver spend | - | Rs 10,00,000 |
| Reward type | reward points | reward points |
| Best for | travel, lounge, golf, luxury | luxury, travel, lounge, golf, wellness |
| Top reward categories | Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100 | Other retail spends: 1.5 reward points per Rs 100; Utility, insurance, government, education, real estate, and rent spends: 0.7 reward points per Rs 100 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 24 | 8 |
| International lounge | 16 | 8 |
| Forex markup | 1.8% | 1.8% |
| Milestone benefits | Luxury welcome benefits at fee payment, High-touch concierge and premium travel programme | Annual fee reversed if spends during the period are Rs 10,00,000 or more, Premium golf programme revised to 2 complimentary games and 2 lessons per month effective March 2026 |
| Redemption | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.7 per point | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.7 per point |
| Key exclusions | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) | Fuel transactions, Cash withdrawal / cash advance transactions, Fees and charges (including annual fee and finance charges) |