← Part of IndusInd Credit Cards in India
The IndusInd Bank Indulge Credit Card is India’s first credit card with a pure 22K gold inlay, designed for high-net-worth individuals. IT offers a reward rate of 1.5 points per ₹100 spent on retail purchases, redeemable at a 1:1 value against cash credit (Source: Paisabazaar, 2026). This card provides extensive lifestyle benefits, including complimentary golf games and international lounge access.
| Parameter | Details |
|---|---|
| Card Inlay | Pure 22K Gold inlay |
| Spending Limit | No pre-set spending limit |
| Forex Markup Fee | 1.8% |
| Reward Rate (Retail Purchases) | 1.5 points per ₹100 spent |
| Reward Redemption Value | 1:1 against cash credit |
| Golf Benefits (Effective March 10, 2026) | 4 complimentary games and 4 complimentary lessons per month |
| International Lounge Access (Effective March 13, 2025) | 4 complimentary international lounge visits per calendar quarter through Priority Pass (outside India) |
| Domestic Lounge Access (Effective April 1, 2026) | Complimentary access from July 2026 quarter onwards (subject to spends criteria tracking) |
| Air Accident Cover | ₹2.5 crores |
| Fuel Surcharge Waiver | 1% (for transactions between ₹400 and ₹4,000) |
| Credit-Free Period | Up to 50 days (if previous amount paid in full) |
| Additional Spending Flexibility | 3% of assigned credit limit (beyond assigned limit) |
| Reward Rate on International Spends | 1.5% |
| Guest Lounge Usage Charges (within/outside India) | USD 35 per visit |
| Minimum Reward Points for Redemption | 500 points (for AirMiles or Cash Credits) |
| Maximum Reward Points Redeemable | 30,000 points per statement cycle |
| Daily Contactless Payment Limit | ₹5,000 |
| Add-on Cards | Up to 5 (upon customer request) |
The Indulge Credit Card focuses on providing exclusive benefits for luxury travel, lifestyle, and entertainment, distinguishing IT from standard premium cards.
Indulge Card: Benefits & Privileges
The IndusInd Bank Indulge Credit Card offers a suite of premium benefits, including a pure 22K gold inlay and no pre-set spending limit. Cardholders receive 4 complimentary golf games and lessons monthly, effective March 10, 2026, alongside extensive lounge access.
| Benefit Category | Specific Privilege | Details |
|---|---|---|
| Card Design | Pure 22K Gold Inlay | The first credit card in the Indian subcontinent featuring a pure 22K gold inlay, signifying exclusivity. |
| Spending Limit | No Pre-set Spending Limit | Offers maximum financial flexibility with no pre-defined spending CAP. |
| Golf Privileges | Complimentary Golf Games & Lessons | Effective March 10, 2026, receive 4 complimentary golf games and 4 lessons per month. Includes unlimited access to selected premium golf clubs as a Green Fee player. |
| Lounge Access – International | Complimentary Priority Pass Membership | Effective March 13, 2025, cardholders get four complimentary international lounge visits per calendar quarter through Priority Pass (outside India). Some sources also mention unlimited lounge visits. |
| Lounge Access – Domestic | Complimentary Domestic Lounge Access | Effective April 1, 2026, spends criteria tracking begins to unlock complimentary domestic lounge access from the July 2026 quarter onwards. Also provides access to premium Visa airport lounges. |
| Concierge Services | 24×7 Concierge Service | Access to premium 24×7 concierge services for all travel, entertainment, and lifestyle needs. |
| Foreign Exchange | Low Forex Markup Fee | Features a competitive foreign currency markup fee of 1.8% on international transactions. |
| Entertainment | Free Movie Tickets / Discounts | Includes a Buy 1 Get 1 offer on BookMyShow and discounts on individual movie ticket transactions. |
| Insurance | Air Accident Cover | Provides an air accident cover worth ₹2.5 crores and protection against card loss. |
| Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver | A 1% fuel surcharge waiver applies at any petrol pump across India, for transactions between ₹400 and ₹4,000. |
| Reward Rate | 1.5 points per ₹100 spent | Earn 1.5 reward points for every ₹100 spent on retail purchases. |
| Reward Redemption | 1:1 Cash Credit Value | Reward points can be redeemed at a 1:1 ratio against cash credit on the credit card. |
| Credit Period | Up to 50 Days Interest-Free | Enjoy an interest-free period of up to 50 days, provided the previous statement’s total amount due is paid in full. |
| Additional Spending Flexibility | 3% Beyond Credit Limit | Offers additional spending flexibility of up to 3% beyond the assigned credit limit. |
| Add-on Cards | Up to 5 Add-on Cards | Customers can request up to 5 add-on cards for family members. |
These benefits position the Indulge Credit Card as a full offering for high-net-worth individuals seeking luxury and convenience in their financial products.
Indulge Credit Card: Fees & Charges 2026
The IndusInd Bank Indulge Credit Card carries a significant annual fee of ₹200,000 as of 2026, reflecting its super-premium positioning. While the card offers a low foreign currency markup fee of 1.8%, its high joining fee may not suit all budgets. The card also provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000.
| Metric | Value (₹) | Notes |
|---|---|---|
| Joining Fee | 200,000 | For IndusInd Bank Indulge Credit Card (as of 2026) |
| Annual Fee | 200,000 | For IndusInd Bank Indulge Credit Card (as of 2026) |
| Renewal Fee | 10,000 | Waived on annual spends of ₹1,000,000 |
| Foreign Currency Markup Fee | 1.8% | Applicable on international transactions |
| Guest Lounge Visit Charges (outside India) | USD 35 | Per visit, beyond complimentary access |
| Guest Lounge Visit Charges (within or outside India) | USD 27 | Per visit, beyond complimentary access |
| Fuel Surcharge Waiver | 1% | On transactions between ₹400 to ₹4,000 at any petrol station in India |
| Overlimit Fee | Waived off | For Pioneer Private, Club Vistara Explorer, and Pioneer Heritage Credit Card (Indulge may follow similar policy, confirm with bank) |
| Interest Rates (per month) | 1.79% to 3.95% | Varies based on cardholder profile and bank policy |
| Specific Credit Card Transactions Fee | 1% + GST | Applicable on certain transaction types (confirm with bank) |
| Personal Accident Coverage | 2.5 crore | Air accident cover for Indulge Credit Cardholders |
The Indulge Credit Card’s fee structure is designed for high-net-worth individuals, with its annual fee offset by extensive luxury benefits and a low forex markup. Cardholders should review the Most Important Terms & Conditions (MITC) for the latest fee schedule and any applicable GST.
Indulge Card: Rewards & Redemption
The IndusInd Bank Indulge Credit Card offers a reward rate of 1.5 points for every ₹100 spent on retail purchases, with a 1:1 redemption value against cash credit. Cardholders can redeem a maximum of 30,000 reward points per statement cycle.
- Reward Earning Rate: Cardholders earn 1.5 reward points for every ₹100 spent on most retail purchases.
- Redemption Value: Reward points can be redeemed at a 1:1 ratio against cash credit on the credit card statement.
- Redemption Limit: A maximum of 30,000 reward points can be redeemed per statement cycle.
- Minimum Redemption: A minimum of 500 reward points is required for redemption against AirMiles or Cash Credits.
- International Spends: The card provides a low foreign currency markup fee of 1.8%, offering savings on international transactions.
- Golf Privileges: As of March 10, 2026, the card includes 4 complimentary golf games and 4 complimentary lessons each month.
- Lounge Access: Cardholders receive 4 complimentary international lounge visits per calendar quarter via Priority Pass (effective March 13, 2025).
These reward benefits are designed for high-spending individuals seeking value across luxury, travel, and lifestyle categories.
Indulge Card: Eligibility & Documents
The IndusInd Bank Indulge Credit Card is an exclusive, invite-only offering, not open for direct application as of 2026. Prospective cardholders must meet stringent criteria set by the bank, reflecting its premium status.
- Selection Process: The Indulge Credit Card operates on an invite-only basis, meaning individuals cannot directly apply for IT.
- Existing Customer Relationship: IndusInd Bank typically extends invitations to its high-net-worth customers with a strong banking relationship.
- Income Profile: While no specific income threshold is publicly disclosed, the card targets individuals with substantial income and spending patterns.
- Credit History: An impeccable credit history and high CIBIL/Experian score are for consideration.
- KYC Documents: Required documents include PAN Card, Aadhaar Card, and a recent photograph for identity verification.
- Address Proof: Valid address proofs include Voter’s ID, Driving License, or Passport.
- Income Proof (Salaried): Salaried individuals may need to provide their last 3 months’ bank statements and salary slips.
- Income Proof (Self-Employed): Self-employed applicants typically submit a recent copy of their Income Tax Returns (ITR).
IndusInd Bank also considers existing credit card details from other banks as part of its assessment for this exclusive card.
Indulge Vs. Premium Alternatives
The IndusInd Bank Indulge Credit Card offers a unique 22K gold inlay and no pre-set spending limit, distinguishing IT from many premium alternatives. While its reward rate is 1.5 points per ₹100 spent, cards like HDFC Diners Club Black and ICICI Emeralde Credit Card offer up to 3.33% rewards and unlimited global lounge access.
| Feature | IndusInd Bank Indulge Credit Card | HDFC Diners Club Black | ICICI Emeralde Card |
|---|---|---|---|
| Card Inlay | Pure 22K Gold Inlay | Not specified | Not specified |
| Credit Limit | No pre-set spending limit | Not specified | Not specified |
| Reward Rate | 1.5 points per ₹100 spent (1.5% on international spends) | Up to 3.33% | Up to 3.33% |
| Forex Markup Fee | 1.8% | Not specified | Not specified |
| International Lounge Access | 4 complimentary visits per calendar quarter (outside India) via Priority Pass (Effective March 13, 2025) | Unlimited complimentary lounge access worldwide | Unlimited complimentary lounge access worldwide |
| Golf Benefits | 4 complimentary games and 4 complimentary lessons per month (Effective March 10, 2026) | Not specified | Not specified |
| Air Accident Cover | ₹2.5 crores | Not specified | Not specified |
| Fuel Surcharge Waiver | 1% (for transactions ₹400-₹4,000) | Not specified | Not specified |
The Indulge Card’s distinct physical design and flexible spending limit cater to a niche luxury segment, while other premium cards often prioritize higher reward rates and extensive travel benefits.
Applying for Indulge Credit Card
The IndusInd Bank Indulge Credit Card is an exclusive, invite-only offering, not open for general application as of 2026. Prospective cardholders must meet specific eligibility criteria and await an invitation from IndusInd Bank.
The bank initiates a selection process to identify individuals who align with the card’s premium positioning and benefits.
- Invitation-Only Process: The Indulge Credit Card is not available through direct application; IndusInd Bank extends invitations to select high-net-worth individuals.
- Eligibility Criteria: While specific income requirements are not publicly disclosed for the invite-only card, other premium IndusInd cards often require an annual income of ₹36 lakh or more.
- Required Documents: Invited applicants typically submit KYC documents (PAN Card, Aadhaar Card, Photograph), address proofs (Voter’s ID, Driving License, Passport), and income proofs (last 3 months’ bank statements, salary slips for salaried individuals, or recent ITR copy for self-employed).
- Credit History: A strong credit history and high CIBIL score are for consideration, reflecting financial stability and responsible credit management.
- Bank Relationship: Existing relationships with IndusInd Bank, especially with significant banking or investment portfolios, may increase the likelihood of receiving an invitation.
Interested individuals should maintain a strong financial profile and a good banking relationship with IndusInd Bank to be considered for this exclusive card.
Indulge Card: Important Terms
The IndusInd Bank Indulge Credit Card is an exclusive, invite-only offering, not open for general application as of 2026. This super-premium card features a pure 22K gold inlay and has no pre-set spending limit, catering to high-net-worth individuals.
The selection process for the Indulge Credit Card is strictly by invitation from IndusInd Bank. Prospective cardholders must meet specific eligibility criteria, including an annual income requirement of ₹36 lakh, to be considered for this card.
Key terms include a foreign currency markup fee of 1.8% on international transactions. Cardholders receive 4 complimentary international lounge visits per calendar quarter through Priority Pass, effective March 13, 2025. Domestic lounge access tracking for complimentary visits began on April 1, 2026, with access available from the July 2026 quarter.
Key Takeaways
- The IndusInd Bank Indulge Credit Card is an invite-only product, requiring an annual income of at least ₹36 lakh for consideration.
- IT features a 1.8% foreign currency markup fee and offers 4 complimentary international lounge visits quarterly (effective March 2025).
- Complimentary domestic lounge access, based on spend criteria, will be available from the July 2026 quarter.
Interested individuals should contact IndusInd Bank directly to understand the specific invitation process and current eligibility requirements for the Indulge Credit Card.
Frequently Asked Questions (FAQs)
What is the IndusInd Bank Indulge Credit Card?
The IndusInd Bank Indulge Credit Card is a super-premium credit card in India, featuring a pure 22K gold inlay. IT offers exclusive benefits across travel, lifestyle, and entertainment, designed for high-net-worth individuals. This card also comes with no pre-set spending limit.
What are the key benefits of the IndusInd Bank Indulge Credit Card in 2026?
As of March 2026, the Indulge Credit Card offers 4 complimentary golf games and 4 lessons per month. Cardholders also receive 4 complimentary international lounge visits per calendar quarter via Priority Pass, effective March 13, 2025. IT also features a low forex markup fee of 1.8% on international transactions.
What is the annual fee for the IndusInd Bank Indulge Credit Card?
The IndusInd Bank Indulge Credit Card has a high annual fee of ₹200,000. This fee reflects its premium features and exclusive benefits. Always verify the latest fee structure directly with IndusInd Bank.
Does the IndusInd Bank Indulge Credit Card have a credit limit?
The IndusInd Bank Indulge Credit Card is unique for having no pre-set spending limit. While IT has a flexible base limit for revolving credit, IT allows for higher spending based on the cardholder’s profile. This feature caters to high-spending individuals.
What is the reward rate on the IndusInd Bank Indulge Credit Card?
The Indulge Credit Card offers a reward rate of 1.5 points per ₹100 spent across all categories. These reward points can be redeemed at a 1:1 value against cash credit. This provides a consistent earning structure for all expenditures.
How does the Indulge Credit Card compare to other premium cards in India?
While the Indulge Card offers unique features like a gold inlay and no pre-set limit, its reward rate of 1.5 points per ₹100 is lower than some competitors. Cards like HDFC Diners Club Black and ICICI Emeralde Credit Card offer higher reward rates, up to 3.33%, and often include unlimited worldwide lounge access. The Indulge card compensates with specific lifestyle benefits like golf and low forex markup.
What are the eligibility criteria for the IndusInd Bank Indulge Credit Card?
IndusInd Bank assesses applicants for the Indulge Credit Card based on high income, a strong CIBIL score, and a financial profile. Specific income thresholds are not publicly disclosed but are generally very high for this super-premium card. Interested individuals should contact IndusInd Bank directly for detailed eligibility requirements.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.