IndusInd Bank Iconia Credit Card
Premium lifestyle credit card with accelerated rewards, complimentary lounge access, and exclusive dining privileges
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Card Overview
The IndusInd Bank Iconia Credit Card is a premium lifestyle credit card designed for individuals who value rewards, travel benefits, and exclusive privileges. With accelerated reward points on all spends, complimentary airport lounge access, and dining discounts, this card offers exceptional value for lifestyle enthusiasts.
Earn 2 reward points for every ₹100 spent across all categories, with no restrictions or caps. The card also provides 12 complimentary domestic airport lounge visits per year and exclusive dining privileges at partner restaurants across India.
Whether you're shopping online, dining out, or traveling, the IndusInd Iconia Credit Card rewards your lifestyle with points that can be redeemed for merchandise, vouchers, or air miles. Check your eligibility using our Credit Score Calculator before applying.
Key Features & Benefits
Accelerated Rewards
Earn 2 reward points per ₹100 spent on all purchases with no category restrictions or caps
Airport Lounge Access
12 complimentary domestic airport lounge visits per year across India
Dining Privileges
Up to 20% discount at partner restaurants and exclusive dining experiences
Welcome Benefits
Get 5,000 bonus reward points on spending ₹50,000 within 60 days of card issuance
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400 to ₹5,000 at fuel stations
Milestone Benefits
Annual fee waiver on spending ₹3 lakhs in a year plus bonus reward points
Fees & Charges
Eligibility Criteria
Age
21 to 65 years
Minimum Income
₹6 lakhs per annum (₹50,000 per month)
Credit Score
750 or above for best approval chances
Employment
Minimum 1 year work experience
Residence
Indian resident with valid address proof
Documents Required
Identity Proof
- PAN Card (mandatory)
- Aadhaar Card
- Passport / Voter ID / Driving License
Address Proof
- Aadhaar Card
- Utility Bills (not older than 3 months)
- Passport / Driving License
Income Proof (Salaried)
- Last 3 months salary slips
- Last 6 months bank statements
- Form 16 / ITR (if available)
Income Proof (Self-Employed)
- Last 2 years ITR with computation
- Last 6 months bank statements
- Business proof documents
How to Apply
Click Apply Now
Click the "Apply Now" button on this page to start your application
Fill Application Form
Enter your personal, employment, and income details in the online form
Upload Documents
Upload scanned copies of required documents (PAN, Aadhaar, income proof)
Instant Approval
Get instant approval decision based on your credit profile
Video KYC
Complete video KYC verification from the comfort of your home
Receive Card
Get your card delivered to your address within 7-10 working days
Customer Reviews
"Excellent rewards program! I earn 2 points on every purchase and the lounge access is a great perk. The annual fee waiver on ₹3L spend is very achievable."
- Rahul Sharma, Mumbai
"Good card for lifestyle spends. The dining discounts are useful and reward redemption is straightforward. Would prefer lower foreign currency markup though."
- Priya Mehta, Bangalore
"Best premium card in this price range. The welcome bonus of 5,000 points is generous and the milestone benefits make it worth keeping long-term."
- Amit Patel, Delhi
"Solid rewards card with good customer service. The 12 lounge visits per year are perfect for my travel needs. Approval process was quick and hassle-free."
- Sneha Reddy, Hyderabad
Frequently Asked Questions
What is the reward rate on the IndusInd Iconia Credit Card?
You earn 2 reward points for every ₹100 spent across all categories with no caps or restrictions. Additionally, you get 5,000 bonus points on spending ₹50,000 within the first 60 days.
How can I waive the annual fee?
The annual fee of ₹2,500 is waived if you spend ₹3 lakhs or more in the previous year. This makes the card effectively free for regular users who meet the spending threshold.
How many airport lounge visits do I get?
You get 12 complimentary domestic airport lounge visits per year across India. This benefit resets every year on your card anniversary date.
What is the minimum income requirement?
For salaried individuals, the minimum income requirement is ₹6 lakhs per annum (₹50,000 per month). For self-employed individuals, it's ₹8 lakhs per annum based on ITR.
How do I redeem my reward points?
Reward points can be redeemed through the IndusInd Bank mobile app or internet banking for merchandise, vouchers, air miles, or statement credit. The redemption value varies based on the redemption option chosen.
Is there a fuel surcharge waiver?
Yes, you get 1% fuel surcharge waiver on transactions between ₹400 to ₹5,000 at all fuel stations across India. This benefit is available on all fuel purchases within the specified range.
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