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IndusInd Bank Vriddhi Business Card
IndusInd's Visa Infinite card for proprietors and self-employed professionals to consolidate business spend — the joining-fee voucher is generous, but the ₹4,999 annual renewal keeps recurring cost real.
Annual fee
₹4,999
Joining fee
₹10,000
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to business owners managing company spend who clear the standard eligibility bar whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 3 complimentary domestic lounge visits per quarter (12 a year)
- Insurance benefits: Travel insurance for medical expenses and accidental death, plus business insurance cover for burglary and business stock
Benefits by category
- ✈️ Travel
4% reward rate · 3 complimentary domestic lounge visits per quarter (12 a year)
- 🌍 Forex / international spend
Lowest foreign currency markup among IndusInd's Visa Infinite cards
Eligibility
- Employment: self-employed
- Age: 21–65
Benefits
- ₹10,000 worth of vouchers on joining, largely offsetting the joining fee
- 3 complimentary domestic lounge visits per quarter (12 a year)
- Lowest foreign currency markup among IndusInd's Visa Infinite cards
Pros
- + Welcome vouchers largely offset the joining fee
- + Solid 12-visit annual domestic lounge access
- + Low forex markup as a Visa Infinite product
Cons
- − Business/self-employed applicants only
- − High ₹10,000 joining fee before vouchers are applied
- − ₹4,999+GST renewal fee every year