Super Premium Zero Forex

IndusInd Bank Indulge Credit Card

Name: IndusInd Bank Indulge Credit Card
Brand: IndusInd
Price: 200000 INR

IndusInd

3.5

CardTrail Score

Decent

out of 10

💰 Net Value

1.0

🔓 Accessibility

2.4

⚡ Feature Depth

8.0

🏦 Bank Trust

5.5

How we score →

Compare This Card Full Details

Annual Fee

₹2,00,000

Forex Markup

No extra charge

Reward Rate

0.7%

Up to 1.5%

Lounge Access

Unlimited

domestic | Unlimited intl

About This Card

The IndusInd Bank Indulge Credit Card is a super-premium credit card from IndusInd with an annual fee of ₹200,000. It earns rewards at 0.7% on everyday purchases. Key perks include zero forex markup, unlimited lounge access, fuel surcharge waiver. Best suited for luxury spenders and high spenders.

Pros & Cons

Pros

Zero forex markup — great for international use
Generous lounge access benefits
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases

Cons

High annual fee of ₹200,000
Requires minimum ₹100L annual income
Below-average base reward rate

Fee Details

Annual Fee

₹2,00,000

Joining Fee

₹2,00,000

Fee Waiver Condition

None

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.7%

Max Rate

1.5%

Currency

Reward Points

Welcome Bonus

Luxury concierge membership

Lounge Access

Domestic Lounges

Unlimited

International Lounges

Unlimited

Key Highlights

+ Zero forex markup on international spends
+ Unlimited domestic lounge access
+ Unlimited international lounge access
+ Fuel surcharge waiver at all pumps

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