Vrddhi Business Credit Card
IndusInd Bank
last updated: Nov 22, 2025
₹4,999
₹10,000
1.89%
12 visits/yr
Contents
IndusInd Vrddhi Business Credit Card is a premium Visa Infinite business card designed for SMEs, entrepreneurs and growing businesses. It helps you separate business and personal expenses while earning strong rewards on everyday spends. You get up to 3 complimentary domestic airport lounge visits per quarter, a rich welcome voucher pack and attractive fuel surcharge waivers. The card is ideal if your business spends regularly on travel, utilities, dining and online payments and you want detailed statements to track every rupee your business spends.
Features of Vrddhi Business Credit Card which makes it unique
High-value Welcome Voucher Pack
Vouchagram shopping vouchers worth ₹10,000 across leading brands for new cardholders.
Lets you recover a large part of the joining fee through lifestyle spends.
Higher voucher value than many entry-level business credit cards.
Utility Payment Reward Booster
Bonus Reward Points for paying essential business utilities through the card in the initial months.
Encourages you to consolidate recurring payments on a single card for easier tracking.
Utility bonuses are particularly useful for offices with regular electricity, internet and telecom bills.
Rewards Structure of Vrddhi Business Credit Card
Domestic Business Spends
baseMost domestic retail transactions including travel, online business tools, utilities and office expenses.
Earn steady rewards on regular business spends to offset fees over time.
International Business Spends
acceleratedCard swipes and online transactions charged in foreign currency for business travel and global SaaS tools.
Higher earn rate helps offset forex markup on genuine international business spends.
Utility Bill Payments
baseUp to 6 utility bills paid in each of the first 6 months from card setup.
Introductory bonus structure designed to reward businesses that route recurring bills through the card.
Early Payment Benefit
baseOn-time or early payment of total amount due as per monthly statement.
Encourages disciplined repayments and helps build a clean business credit profile.
Milestones of Vrddhi Business Credit Card
Joining Fee Waiver Milestone
₹4,00,000 within 90 days of card setup : Joining fee waiver as per bank policy.
Annual Fee Waiver Milestone
₹1,00,000 in the previous anniversary year : Annual fee waiver for the next year.
Fuel Savings Milestone
Regular fuel spends between ₹400 and ₹4,000 per transaction : 1% fuel surcharge waiver at fuel stations, subject to GST on surcharge.
Fees & Charges of Vrddhi Business Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹10,000 |
| Annual Fee | ₹4,999 |
| Forex Markup Fee | 1.89% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹250 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee is waived when you spend ₹1,00,000 or more in the previous card anniversary year.
Fee Explanation Joining fee ₹10,000 + GST and annual fee ₹4,999 + GST as per MITC. Late payment charges are slab-based up to ₹1,300. Over-limit fee is 2.5% of the over-limit amount, subject to a minimum of ₹500 + GST. Foreign currency markup is 1.89% on international transactions. Cash advance and cash withdrawal fees are typically levied at 2.5% of the amount withdrawn, subject to bank schedule of charges.
Lounge Access Benefits with Vrddhi Business Credit Card
domestic Lounges
silverVisits per year: 12
Guest access: No
Up to 3 complimentary domestic airport lounge visits per quarter for the primary cardholder under the Visa lounge access programme.
international Lounges
silverVisits per year: 0
Guest access: No
Priority Pass access available with usage charges up to US$27 per person per visit as per schedule of charges.
Insurance Coverage with Vrddhi Business Credit Card
Lost and Stolen Card Protection
Coverage as per IndusInd Bank’s group insurance policy for lost or stolen cards.Subject to successful hotlisting, FIR and documentation as per MITC and insurer terms.
Additional Features of Vrddhi Business Credit Card
Contactless Payments
Tap-and-pay enabled Visa contactless card for faster checkout on NFC terminals.
Per-transaction and daily limits as defined by bank and RBI guidelines.
Business Expense Segregation
Detailed monthly statements with clear categorisation of business spends.
Downloadable statements help during GST filings and tax computations.
Add-on Employee Cards
Ability to issue additional cards to key employees with custom sub-limits.
Overall exposure remains within assigned business credit limit.
Welcome Bonus with Vrddhi Business Credit Card
Welcome Bonus: ₹10,000 worth of Vouchagram
Bonus Conditions: Welcome vouchers are applicable only after payment of the joining fee; partner brands and voucher terms are subject to change as per bank and Vouchagram policy.
Application Process for Vrddhi Business Credit Card
Processing Time
Application decision typically within a few working days after document verification.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Check your business’s eligibility, income and documentation requirements on the bank or partner website.
Submit an online application form with basic personal, business and contact details.
Upload or share KYC, income and business proof documents as requested by the bank.
Respond to verification calls or e-mail queries from the bank’s credit team, if any.
On approval, the card is dispatched to your registered address and needs to be activated before use.
Required Documents for Vrddhi Business Credit Card
KYC Documents
allAccepted documents:
Business Proof
allAccepted documents:
Income Proof
salaried and self-employedAccepted documents:
Address Proof
allAccepted documents:
Vrddhi Business Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across POS terminals, ecommerce platforms and billers in India that support Visa credit cards.
International Acceptance
Accepted globally at Visa merchant locations for business travel and online international payments.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Vrddhi Business Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹75,000
Minimum annual income
Who Can Apply
Important Conditions
- Business or professional income should be stable with acceptable banking track record. KYC and business proof as per IndusInd Bank policy.
How Approval Is Decided
- Minimum monthly income of around ₹50,000 or equivalent business turnover as assessed by the bank.
- Satisfactory personal and business credit history and internal risk assessment.
- Business vintage, banking behaviour and documentation meeting IndusInd Bank’s business card policy.
Pros of Vrddhi Business Credit Card
- Strong overall reward structure for domestic and international business spends.
- Generous welcome voucher benefit that can offset the high joining fee.
- Complimentary domestic airport lounge access useful for frequent business travellers.
Cons of Vrddhi Business Credit Card
- High joining and annual fees compared to entry-level business cards.
- Fees and benefits are subject to change and require careful reading of MITC.
- Best value is unlocked only if your business spends are consistently high.
Frequently Asked Questions about Vrddhi Business Credit Card
Who should apply for the IndusInd Vrddhi Business Credit Card?
This card is ideal for self-employed professionals, small and medium business owners and entrepreneurs who want to separate business expenses from personal spends while earning rewards on every swipe.
What is the joining fee and annual fee for the Vrddhi Business Credit Card?
The current joining fee is ₹10,000 + GST and the annual fee is ₹4,999 + GST, as per the latest MITC shared by IndusInd Bank.
How does the welcome voucher benefit work on Vrddhi Business Credit Card?
On successful fee payment and card setup, you get Vouchagram shopping vouchers worth up to ₹10,000 redeemable at partner brands such as Pantaloons, Bata, Raymond and Hush Puppies, subject to prevailing terms and conditions.
How many airport lounge visits are available with this card?
You can enjoy up to 3 complimentary domestic airport lounge visits per quarter under the Visa lounge programme, subject to network and bank terms.
What rewards do I earn on domestic and international business spends?
You earn 2 Reward Points per ₹100 on most domestic business spends and 4 Reward Points per ₹100 on eligible international transactions, along with additional bonuses on utility bill payments and timely repayments.
Is there a fuel surcharge waiver on the Vrddhi Business Credit Card?
Yes, there is a 1% fuel surcharge waiver on eligible fuel spends between ₹400 and ₹4,000 per transaction at fuel stations in India, with GST on surcharge payable by you.
How can I apply for the Vrddhi Business Credit Card?
You can apply online through the IndusInd Bank channels or via partner platforms by submitting KYC, income and business proof. The bank reviews your profile, credit history and documents before issuing the card.
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