Iconia Amex Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹0
₹0
Free
No lounge access
Contents
The Iconia Amex Credit Card is a lifestyle-focused premium card from IndusInd Bank offering accelerated reward points, luxury merchant vouchers and Amex lounge access. It suits customers who prioritise rewards, lifestyle vouchers and travel privileges. The product is currently shown by the bank primarily for existing cardholders (new sourcing discontinued in some fee plans).
Features of Iconia Amex Credit Card which makes it unique
Curated Lifestyle Vouchers
Choice of luxury and merchant vouchers as welcome benefits
High perceived value for lifestyle spenders
Stronger voucher selection vs many standard reward cards
Rewards Structure of Iconia Amex Credit Card
Base Earn
baseDomestic & International spends (excludes fuel)
Fuel transactions do not accrue reward points; reward value for redemptions revised in 2024.
Redemption Value
baseRedemption method dependent
Specific partner redemptions (airlines/hotels) follow separate conversion rules.
Welcome Vouchers
baseAvailable on select fee plans only
Welcome gift choices and T&C vary by joining-fee option.
Milestones of Iconia Amex Credit Card
Iconia Milestone Rewards
Varies by offer : Voucher or cashback options (subject to bank promotions)
Fees & Charges of Iconia Amex Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Renewal/annual fee conditions depend on the chosen fee plan; see bank terms.
Fee Explanation Fees and charges follow IndusInd Bank’s published schedule and the card’s fee-plan; refer to official T&C. | Late payment fee details: As per bank schedule (refer to card T&C for slab-wise amounts).
Detailed Explanation of Iconia Amex Credit Card Fees
Joining Fee: ₹3,499 + GST (select fee plan) (one-time)
Joining-fee options and welcome-gift eligibility vary by fee plan.
Cash Advance Fee: 2.5% (min ₹300) (transaction)
As per bank T&C.
Overseas Transaction Fee: 3.5% of transaction (transaction)
Includes currency conversion charges; subject to dynamic currency conversion rules.
Lounge Access Benefits with Iconia Amex Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: Yes
Access through American Express lounge programme terms.
Insurance Coverage with Iconia Amex Credit Card
Travel Insurance
Up to limits as per planSubject to terms and applicable travel insurance T&C.
Purchase Protection
As per product T&CCheck bank for specific coverage limits and durations.
Additional Features of Iconia Amex Credit Card
Contactless Payments
Tap-and-pay enabled where accepted
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with Iconia Amex Credit Card
Welcome Bonus: Vouchers worth up to ₹10,000 redeemable at select merchants.
Bonus Conditions: Welcome gift applicable only on select fee plans and specific joining-fee options as per bank T&C.
Application Process for Iconia Amex Credit Card
Processing Time
Typically 5–10 business days (subject to verification and fee-plan).
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via IndusInd Bank portal or branch
Upload KYC and income documents
Receive bank verification call/email
Card dispatched as per bank processing timelines
Required Documents for Iconia Amex Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Iconia Amex Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage in India where Amex accepted
International Acceptance
Accepted where American Express is accepted globally
Online Acceptance
Yes (subject to merchant Amex acceptance)
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Iconia Amex Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- KYC (PAN, Aadhaar) and income documents as required by bank.
How Approval Is Decided
- Minimum income as per eligibility slab
- Indian resident
- Credit score typically 700+
Pros of Iconia Amex Credit Card
- Good rewards acceleration on weekends
- Attractive welcome voucher options on select fee plans
- Amex lounge access and lifestyle privileges
Cons of Iconia Amex Credit Card
- Card is discontinued for new sourcing in some fee plans (existing cardholders retained)
- Joining fees apply for select plans
- Reward valuation and redemption rules have changed (2024–2025)
Frequently Asked Questions about Iconia Amex Credit Card
How much is the forex markup?
Overseas transaction charges are approximately 3.5% (includes currency conversion charges).
What documents are required to apply?
KYC documents such as PAN and Aadhaar are mandatory; income proof required (salary slips/ITR) per eligibility rules.
Is the card still open for new applications?
IndusInd shows the Iconia Amex card as discontinued for new sourcing in some fee plans — check the bank’s current product listing for availability.
Is there a joining fee?
Yes. Joining-fee options apply (example: ₹3,499 + GST for certain fee plans). Welcome gift availability depends on the chosen fee plan.
What are the reward-earn rates?
You earn 1.5 Reward Points per ₹100 on weekdays and 2 Reward Points per ₹100 on weekends. Fuel typically does not earn points.
Can I access airport lounges with this card?
Yes — complimentary Amex lounge access is provided under the American Express lounge programme terms.
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