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IndusInd Bank
IndusInd Bank Duo Card
Visa
IndusInd Bank Duo Card
A genuinely unusual product: one physical card housing both a debit and a credit chip, switchable per transaction — a convenience play rather than a rewards play, with a modest one-time joining fee and no annual fee.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹249
Reward type
points
Base reward rate
0.67%
Card network
Visa
Card tier
Entry
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- India's first debit-cum-credit card — two EMV chips and two magnetic stripes let one card switch between debit and credit modes
Pros
- + No annual fee — only a small one-time joining fee
- + One card replaces carrying separate debit and credit cards
- + Simple, low reward rate but no complexity in earning it
Cons
- − Reward rate is low against dedicated cashback/points cards
- − No bonus categories, lounge access or travel perks