Indulge Credit Card
IndusInd Bank
Last updated: Feb 03, 2026
₹10,000
₹75,000
1.8%
40 visits/yr
Contents
A premium Visa infinite-tier lifestyle card with a 22K gold inlay, priority travel benefits and premium lifestyle offers. Designed for high-net-worth customers seeking airport lounge privileges, curated dining and travel privileges and concierge-style services.
Features of Indulge Credit Card which makes it unique
Gold Inlay Card
22K gold-inlay premium physical card
Luxury branding and exclusivity
Unique in Indian market
No Preset Spending Limit
Card issued on infinite platform with flexible limit
Higher purchasing power
Targeted to HNW customers
Rewards Structure of Indulge Credit Card
Base
baseAll eligible spends.
Standard earn rate for most spends
Milestones of Indulge Credit Card
Dining Benefit
As per partner offer : EazyDiner credits / dining vouchers
Travel Privileges
Invite/relationship based : Priority Pass membership / lounge visits
Fees & Charges of Indulge Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹75,000 |
| Annual Fee | ₹10,000 |
| Forex Markup Fee | 1.8% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Standard renewal fee; benefits may be available through spends or by invite.
Fee Explanation Standard bank rates and GST apply for fees and overdue amounts.
Detailed Explanation of Indulge Credit Card Fees
Joining Fee: 75000 (one-time)
May be invite-only or adjusted per bank offers
Annual Fee: 10000 (yearly)
Standard renewal charge; offers may reduce effective cost
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300
Lounge Access Benefits with Indulge Credit Card
domestic Lounges
silverVisits per year: 24
Guest access: Yes
Participating lounges only
international Lounges
silverVisits per year: 16
Guest access: Yes
Effective changes announced March 13, 2025 (see bank T&Cs).
Insurance Coverage with Indulge Credit Card
Travel insurance
₹10,00,000Valid on international trips as per T&Cs
Purchase protection
₹50,000Claims within 90 days of purchase
Additional Features of Indulge Credit Card
Contactless Payments
Tap-and-pay enabled
Add-on Cards
Add-ons on request (bank discretion)
Welcome Bonus with Indulge Credit Card
Welcome Bonus: Buy one get one BookMyShow movie tickets
Bonus Conditions: Offers/limits apply as per bank partner terms; subject to change.
Application Process for Indulge Credit Card
Processing Time
Invite-based; card dispatch typically within 7–14 days after approval.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Apply by contacting IndusInd relationship manager or via bank invite channel
Submit KYC and income documents
Undergo verification and card approval
Card dispatched as per bank timelines (invite-based)
Required Documents for Indulge Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Indulge Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally on Visa network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Indulge Credit Card
Quick Eligibility Check
Minimum Age
25+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Invite-only product for select customers; PAN and Aadhaar required for KYC.
How Approval Is Decided
- High annual income / invite-only eligibility
- Indian resident with valid PAN and Aadhaar
- Satisfactory credit score and banking relationship
Pros of Indulge Credit Card
- High-end lifestyle and travel benefits
- Generous lounge access
- Premium partner dining offers
Cons of Indulge Credit Card
- High joining/renewal fees for many customers
- Invite-only eligibility (high income requirement)
Frequently Asked Questions about Indulge Credit Card
Is there a joining fee?
Yes — high joining fees have historically applied; this product is often invite-only. Exact joining charges can vary by offer.
What is the base rewards rate?
The Indulge card typically earns 1.5 reward points for every ₹100 of eligible spends.
How many lounge visits are included?
Domestic and Priority Pass lounges are included; the bank updated international lounge visits rules effective 13 March 2025.
What income do I need to apply?
Individiual eligibility lists ~₹36 lakh p.a. for salaried and ~₹42 lakh p.a. for self-employed applicants (approx. ₹3,00,000 / ₹3,50,000 per month respectively).
Can points be converted to airline miles?
Yes — rewards are convertible to partner miles per IndusInd’s rewards programme rules and minimum transfer thresholds apply.
Is the card available online instantly?
No — the Indulge card is typically by invite and not offered as an instant-approval retail product.
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