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IndusInd Bank OD/CC-Linked Corporate Credit Card
A first-of-its-kind corporate card that runs directly off a business's sanctioned OD or CC account instead of issuing a separate credit line, cutting reconciliation work for MSMEs. It's built for cashflow control rather than rewards.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0% base rate
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Card spends draw directly on the business's existing Overdraft or Cash Credit account — no separate credit limit or billing cycle.
- Configurable daily transaction limits and centralized expense tracking for MSME working-capital spends.
Pros
- + No separate credit limit — draws on existing OD/CC sanction
- + Simplifies reconciliation for working-capital spends
- + Flexible per-card transaction limits
Cons
- − No rewards program to speak of
- − Only available to businesses with an existing OD/CC facility