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IndusInd Bank Sāarthi Business Card
IndusInd's entry business credit card (Visa) for proprietors who want to keep business spends apart from personal ones. The ₹2,500 joining fee is waived on ₹2 lakh spend in 90 days and returned as a ₹2,500 voucher, and the ₹1,499 renewal fee goes away above ₹1 lakh of annual spend. Rewards are thin, but the 2.49% monthly interest rate is low and it includes lounge visits and business insurance.
Annual fee
₹1,499
Joining fee
₹2,500
Reward type
points
Base reward rate
0.35%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar whose spend is concentrated in utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 100% dining discount up to ₹250 via EazyDiner
- Rewards rate: 0.35% base rate
- Reward redemption: Cash credit at 1 RP = ₹0.35 (IndusInd standard cash-credit rate) or the IndusMoments catalogue
- Domestic lounge access: 2 complimentary domestic airport lounge visits per calendar quarter
- Insurance benefits: Business insurance up to ₹3 lakh (fire, theft, burglary) and travel insurance up to ₹1 lakh
Benefits by category
- ✈️ Travel
2 complimentary domestic airport lounge visits per quarter
- 🛡️ Insurance
Business insurance up to ₹3 lakh against fire, theft and burglary, plus travel insurance up to ₹1 lakh
- ⛽ Fuel
1% fuel surcharge waiver
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 2.49% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹10,000 per the IndusInd product page (the MITC states ₹400–₹4,000)
- Cash advance charges: Cash limit is not applicable on business cards
Benefits
- Vouchagram brand voucher worth ₹2,500 once the joining fee is paid
- 1 RP per ₹100 on domestic spends and 2 RP per ₹100 on international transactions; 500 bonus RP for 6 utility bill payments in the first 6 months; 50 RP for early payment
- 2 complimentary domestic airport lounge visits per quarter
- Business insurance up to ₹3 lakh against fire, theft and burglary, plus travel insurance up to ₹1 lakh
- 1% fuel surcharge waiver
Pros
- + Low 2.49% monthly interest rate
- + Joining fee waived on ₹2 lakh spend in 90 days; renewal fee waived above ₹1 lakh annual spend
- + 2 domestic lounge visits a quarter and up to ₹3 lakh business insurance
Cons
- − Thin rewards: about 0.35% back at cash-credit value
- − 3.5% forex markup
- − Applications go through IndusInd's corporate cards team (email/phone) rather than an online form