Iconia Visa Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹0
₹3,499
3.5%
No lounge access
Contents
IndusInd Bank Iconia Visa Credit Card is a premium lifestyle and travel card designed for high-value customers who love rewards, golf and curated experiences. You earn higher reward points on everyday spends and can redeem them as cash credit or for air miles and partner points. The card also offers complimentary Priority Pass membership, golf privileges, BookMyShow movie offers, fuel surcharge waiver and comprehensive travel insurance. This product is now discontinued for new sourcing but continues to offer full benefits for existing Iconia Visa cardholders.
Features of Iconia Visa Credit Card which makes it unique
Lifetime Reward Points
Reward Points remain valid for as long as your Iconia Visa Credit Card account stays active.
No stress about expiry of points, encouraging strategic redemptions for higher-value rewards.
Many competing cards impose expiry periods on reward points.
Dual Redemption Options
Redeem Reward Points as cash credit to your statement, as InterMiles or as Club Vistara Points.
Flexibility to choose between travel benefits and direct monetary savings.
Most lifestyle cards restrict you to either cashback or catalogue redemptions.
Integrated Golf Program
Complimentary golf games, lessons and green fee waivers at premium golf courses in India.
Ideal for golfers who want regular access to coaching and tee-times through a credit card.
Golf privileges at this joining fee level are uncommon in the market.
Rewards Structure of Iconia Visa Credit Card
Everyday Weekday Spends
baseAll eligible retail transactions on weekdays (Monday to Friday), excluding fuel, cash, wallet loads and restricted MCCs.
Reward Points have lifetime validity while your Iconia Visa Credit Card account is live.
Weekend Spends
acceleratedAll eligible retail transactions on weekends (Saturday and Sunday), excluding fuel, cash, wallet loads and restricted MCCs.
Weekend classification is based on transaction date as posted on the card account.
Utilities, Insurance And Government Payments
baseUtility bills, insurance premiums, government payments and education-related transactions.
Reward earning on these categories is lower than regular retail spends; always refer to the latest IndusInd Bank rewards grid.
Reward Redemption
baseRedemption of accumulated Reward Points towards cash credit, air miles or partner points.
As per recent updates, non-cash redemptions usually offer higher value than direct cash credit; always check the latest IndusInd Bank reward catalogue.
Milestones of Iconia Visa Credit Card
Spends-Based Promotional Offers
Varies by limited-period IndusInd Bank campaigns. : Gift vouchers, bonus Reward Points or statement cashback as communicated in specific offers.
: Iconia Visa does not have a permanent milestone program; instead, customers get periodic spends-based promotions from the bank.
Fees & Charges of Iconia Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹3,499 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹700 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹250 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:No annual renewal fee; one-time joining fee of ₹3,499 + GST.
Fee Explanation Standard IndusInd Bank premium credit card charges apply, including 3.83% p.m. interest on revolving balances, 3.5% forex markup on international transactions, 2.5% cash advance fee (min ₹300) and slab-based late payment charges as per the latest MITC.
Detailed Explanation of Iconia Visa Credit Card Fees
Joining Fee: ₹3,499 + GST (one-time)
Charged once at card issuance; no annual renewal fee thereafter.
Annual Fee: ₹0 (yearly)
No annual or renewal fee is charged in subsequent years.
Cash Advance Fee: 2.5% (min ₹300) (per transaction)
Applicable on ATM and over-the-counter cash withdrawals.
Foreign Currency Markup: 3.5% (per transaction)
Charged on all international POS, online and ATM transactions in foreign currency.
Late Payment Fee: Slab-based up to ₹700 (per statement cycle)
Nil for very small dues; then charged as per total amount due slabs defined in the latest MITC.
Overlimit Fee: 2.5% of overlimit amount (min ₹500) (per occurrence)
Charged when outstanding exceeds the assigned credit limit.
Returned Payment Fee: ₹250 (per instance)
Applicable on cheque or electronic payment dishonour.
Lounge Access Benefits with Iconia Visa Credit Card
international Lounges
silverVisits per year: 0
Guest access: Yes
Complimentary Priority Pass membership for primary cardholder (and in some cases add-on cardholder); lounge visits are chargeable per person per visit as per prevailing Priority Pass tariffs.
Insurance Coverage with Iconia Visa Credit Card
Personal Air Accident Cover
₹25,00,000Provides cover against accidental air death when travel tickets are booked using the Iconia Visa Credit Card.
Lost Baggage Insurance
Up to ₹1,00,000Covers loss of check-in baggage on eligible trips booked using the card, as per detailed policy terms.
Delayed Baggage Insurance
Up to ₹25,000Reimburses reasonable expenses incurred due to delay of check-in baggage beyond the specified number of hours.
Loss Of Passport And Ticket
Up to ₹50,000 for passport and ₹25,000 for ticketSupports re-issuance and related expenses when passports or tickets are lost during eligible journeys.
Missed Flight Connection
Up to ₹25,000Covers additional expenses when you miss a connecting flight due to reasons covered under the insurance policy.
Total Protect Fraud Protection
Up to the assigned credit limitProtects against unauthorized transactions in case of card loss, theft or counterfeit fraud, subject to timely reporting and policy terms.
Additional Features of Iconia Visa Credit Card
24x7 Concierge Services
Dedicated concierge desk to help with restaurant reservations, travel bookings, gift deliveries and event assistance.
Services are complimentary; actual bookings, tickets and purchases are charged to your Iconia Visa Credit Card.
Auto Assist Roadside Support
On-road assistance for breakdowns, towing, emergency fuel delivery, flat tyre services and minor repairs.
Available in covered locations within India; service terms, limits and exclusions are defined by the Auto Assist provider.
Year-End Spend Summary
Consolidated yearly statement that categorises your spends by month and merchant type.
Provided to help with budgeting and tax planning for eligible cardholders.
Add-On Cards
Facility to issue supplementary cards for family members, enabling them to share your credit limit and benefits.
KYC and eligibility conditions apply for each add-on cardholder.
Contactless Payments
Tap-and-pay support at NFC-enabled terminals for fast, secure payments without handing over your card.
Tap transactions up to RBI-mandated limits can be completed without PIN; higher amounts require PIN authorisation.
Welcome Bonus with Iconia Visa Credit Card
Welcome Bonus: Welcome gift vouchers worth ₹5,000.
Bonus Conditions: Welcome gift value, brands and voucher options depend on the offer selected and your eligibility at the time of card setup.
Application Process for Iconia Visa Credit Card
Processing Time
Credit card applications are typically processed within 3–5 working days, subject to successful verification and bank policy.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Visit the IndusInd Bank credit card section online or contact customer care to explore currently available cards, as Iconia Visa is now discontinued for new applications.
Shortlist an active IndusInd Bank credit card that closely matches the features and benefits you expect from Iconia Visa, such as travel, golf or lifestyle privileges.
Submit the online application form or visit the nearest IndusInd Bank branch with KYC and income documents to complete your credit card application.
Complete tele-verification and any additional document checks requested by the bank.
On approval, your new IndusInd Bank credit card is printed, dispatched and delivered to your registered address with a welcome kit and detailed benefits guide.
Required Documents for Iconia Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Iconia Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at most Visa-enabled POS terminals and Indian e-commerce merchants.
International Acceptance
Accepted globally at merchants and ATMs that support Visa cards.
Online Acceptance
Enabled for e-commerce transactions, in-app payments and recurring online subscriptions where Visa cards are accepted.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Iconia Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable source of income, a good repayment track record and valid KYC documents as per RBI and IndusInd Bank requirements.
How Approval Is Decided
- Minimum age typically 21 years or above for primary cardholders.
- Indian resident with valid KYC documents such as PAN and Aadhaar.
- Stable monthly income (around ₹30,000 or higher for premium lifestyle cards).
- Clean credit history and a good credit score, generally 700 or above.
- Internal IndusInd Bank risk and policy checks on existing credit exposure and repayment track record.
Pros of Iconia Visa Credit Card
- High long-term value due to no annual fee after joining fee.
- Flexible Reward Point redemption for cash, InterMiles or Club Vistara Points.
- Attractive golf, movie and concierge benefits for lifestyle users.
- Fuel surcharge waiver on eligible transactions.
- Lifetime validity of Reward Points while the card account remains active.
Cons of Iconia Visa Credit Card
- Product is discontinued for new applications; only existing cardholders can use it.
- No complimentary lounge visits, only complimentary Priority Pass membership.
- Joining fee of ₹3,499 + GST can feel high for users who will not fully utilise travel and golf perks.
- Reward earn rate on utilities and government-related spends is lower than on everyday retail spends.
Frequently Asked Questions about Iconia Visa Credit Card
Is the IndusInd Bank Iconia Visa Credit Card still open for new applications?
No. The IndusInd Bank Iconia Visa Credit Card is currently discontinued for new sourcing and is available only to existing cardholders, but all existing customers continue to enjoy the card benefits.
What is the joining fee and annual fee for the Iconia Visa Credit Card?
The Iconia Visa Credit Card has a one-time joining fee of ₹3,499 + GST. There is no annual or renewal fee in subsequent years, which makes it a good long-term card for IndusInd loyal customers.
How many reward points do I earn on the IndusInd Bank Iconia Visa Credit Card?
You typically earn 1 Reward Point per ₹100 spent on weekends and 0.75 Reward Points per ₹100 spent on weekdays on eligible retail transactions. Some categories like utilities and government spends may earn a slightly lower rate as per the latest rewards grid.
Does the Iconia Visa Credit Card offer lounge access?
Yes. The card offers complimentary Priority Pass membership, which lets you access international airport lounges by paying a per-visit fee. There are no free visits built into the Iconia Visa variant, so lounge charges apply as per Priority Pass terms.
What fuel surcharge waiver do I get on the Iconia Visa Credit Card?
You get a 1% fuel surcharge waiver on eligible fuel transactions, usually between ₹400 and ₹4,000 per swipe, at participating fuel stations in India. GST and other taxes on fuel purchases are not waived.
What golf benefits are available with the IndusInd Bank Iconia Visa Credit Card?
Iconia Visa cardholders enjoy complimentary golf rounds, lessons and green fee waivers at select golf courses across India, along with access to a dedicated golf concierge for booking tee-times and sessions.
What is the minimum income and credit score required for Iconia Visa?
When the product was actively sourced, IndusInd Bank typically required a minimum monthly income of around ₹30,000 and a good credit score (generally 700 or higher). The final decision always depended on the bank’s internal credit policies.
Which mobile wallets can I link with the Iconia Visa Credit Card?
You can usually tokenise and use your IndusInd Bank Iconia Visa Credit Card with leading wallets such as Apple Pay (where supported), Google Pay, Samsung Pay, PhonePe, Paytm and Amazon Pay for secure contactless and in-app payments.
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