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IndusInd Bank Indulge Credit Card
IndusInd's flagship no-preset-limit card, complete with a 22K gold inlay — genuinely elite benefits (unlimited lounge access, ₹2.5cr air accident cover) but the ~₹36L income bar and unremarkable 1.5% reward rate mean it's a status card first, a rewards card second.
Annual fee
₹10,000
Joining fee
₹75,000
Reward type
points
Base reward rate
1.5%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
- International lounge access: 4 complimentary international lounge visits per quarter via Priority Pass (1,400+ lounges worldwide)
- Golf: Complimentary golf games and lessons at select clubs in India
- Insurance benefits: Personal air accident cover of ₹2.5 crore; travel insurance via ICICI Lombard covering lost/delayed baggage, lost ticket and missed connections
Benefits by category
- 🍽️ Dining & food delivery
1.5% reward rate · 24x7 personal concierge for travel, dining, and lifestyle requests
- ✈️ Travel
1.5% reward rate · Complimentary unlimited Priority Pass lounge access worldwide
- 🛡️ Insurance
Air accident cover of ₹2.5 crore
- 🌍 Forex / international spend
Low 1.8% forex markup, well below the industry-standard 3.5% · 1.8% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹3,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Foreign currency markup: 1.8%
- Interest rate: 42% p.a.
Benefits
- No pre-set spending limit for qualifying high-net-worth cardholders
- Complimentary unlimited Priority Pass lounge access worldwide
- Air accident cover of ₹2.5 crore
- 24x7 personal concierge for travel, dining, and lifestyle requests
- Low 1.8% forex markup, well below the industry-standard 3.5%
Pros
- + No pre-set spending limit for qualifying spenders
- + Unlimited Priority Pass lounge access worldwide
- + ₹2.5 crore air accident cover and 24x7 concierge
Cons
- − Very high income eligibility (~₹36L+ p.a.)
- − 1.5% reward rate is unremarkable for a super-premium card
- − ₹10,000 fee is steep unless you're using the full benefit suite