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.

Rates and fees last verified 15 July 2026.

Annual fee

₹10,000

Joining fee

₹10,000

Reward type

points

Base reward rate

1.5%

Card network

Visa

Card tier

Super-premium

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

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

Apply on IndusInd Bank's site