Choose from a Lifetime-Free Credit Cards !

IndusInd Bank Credit Card Fees and Charges

IndusInd Bank credit cards provide simple payment solutions, reward opportunities and lifestyle benefits for different types of users. Let’s have a look at charges:

Key Benefits of IndusInd Bank Credit Cards

IndusInd Bank credit cards come with features that support everyday spending and lifestyle needs. Here are some of the key benefits you can expect:

• You can explore various IndusInd Bank credit card offers based on travel, shopping, fuel, or reward points.
• Most cards give reward points on daily transactions, including online and in-store spending.
• Select cards offer lounge access, travel insurance and dining benefits.
• Lifetime free options are available if you prefer low-maintenance cards.
• Some variants give fuel surcharge waivers within eligible limits.
• Users looking for the best IndusInd Bank credit card can choose from premium, travel, cashback or lifestyle categories.
• Contactless payments and UPI-linked features make transactions faster and secure.
• Cashback, discounts and partner-brand deals are available on many cards.

IndusInd Bank Credit Card Eligibility Criteria

The table below shows the usual requirements you must meet before starting an IndusInd Bank credit card application:

Documents Required for IndusInd Bank Credit Card Application

Before you get an IndusInd Bank credit card, the bank will ask for a few basic documents so they know who you are and how you earn:

• Identity proof: Any government-issued photo ID, such as Aadhaar, passport, voter ID or driving licence.
• Address proof: A document that shows where you live, for example, a recent electricity or gas bill, registered rent agreement, Aadhaar or passport.
• Income proof for salaried applicants: Latest salary slips, bank statement for the past 3–6 months, and sometimes Form 16 or your recent income tax return.
• Income proof for self-employed applicants: recent income tax returns, simple business proof (such as registration or a licence), and basic financials, such as profit and loss statements or audited statements, if the bank asks.
• PAN card: Required for all credit card applications for tax and reporting purposes.
• Recent photograph: A clear, passport-size photo if digital KYC has not already captured your image.

How to Block / Unblock IndusInd Bank Credit Card

If your Indusind Bank credit card is lost, stolen or showing suspicious activity, it is essential to stop all use straight away and then restore access safely once the issue is resolved:

Block Your Credit Card

You can usually block the card through any one of these routes:

• Phone banking: Call IndusInd Bank customer care from your registered mobile number and ask the executive to block the card immediately. They will verify your details and place a permanent or temporary block on the card.
• Internet banking (IndusNet): Log in to IndusNet, go to the credit card section, choose the relevant card and use the “block/hotlist/report lost card” option, then confirm the request.
• Mobile app (IndusMobile): Open the app, go to your credit card dashboard and use the option to block or report the card as lost. This is usually processed instantly.
• Branch visit: Visit the nearest IndusInd Bank branch, inform them that the card is lost or compromised and submit a request to block and reissue the card.

Unblock Your Credit Card

Unblocking depends on why the card was blocked:

• If you placed a temporary block yourself: In many cases, you can log back into IndusNet or IndusMobile and use the “unblock/enable card” option, then confirm with an OTP.
• If the bank blocked it for security reasons: If there were wrong PIN attempts, suspected fraud or overdue payments, you usually need to contact customer care or visit a branch. The bank will verify your identity, review the reason for the block and then decide whether the card can be reactivated or replaced.

How to Choose the Right IndusInd Bank Credit Card?

Selecting the right IndusInd Bank credit card depends on what you spend on and the kind of benefits you expect. Here are a few points to help you decide:

• Check whether you prefer a lifetime-free card or a fee-based card with more substantial rewards.
• Look at your monthly spending patterns, such as fuel, online shopping, travel or groceries.
• Compare reward structures to see which card gives better value for your usual purchases.
• If you travel often, pick a card that offers lounge access or lower foreign exchange mark-up.
• For regular UPI payments, look for cards that earn rewards on UPI transactions.
• Make sure the income requirement matches your earnings before you apply.
• Review ongoing IndusInd Bank credit card offers to find better savings during the year.

Tips to Maximise IndusInd Bank Credit Card Rewards

Using your IndusInd Bank credit card wisely can help you get more value out of every transaction. Here are a few simple ways to make the most of your rewards:

• Use your card for categories that earn higher reward points, such as dining, fuel or online shopping, depending on the variant.
• Make full bill payments on time so you do not lose rewards to interest charges.
• Keep an eye on limited-period IndusInd Bank credit card offers for extra discounts or bonus points.
• Redeem points before they expire by checking your rewards balance regularly.
• If your card supports UPI, use it for routine spends to collect more points.
• Avoid cash withdrawals, as fees and interest charges reduce the value of your rewards.
• Use the card for planned purchases rather than small scattered spends to build points faster.

Steps to Apply Online Through Urban Money

You can apply for an IndusInd Bank Credit Card through Urban Money in a few easy steps:

• Visit the Urban Money website and choose the IndusInd Bank credit card you want to apply for.
• Fill in your basic details such as name, mobile number, email ID and city.
• Enter your monthly income so the system can match you with eligible cards.
• Upload the required documents, such as identity proof, address proof and income proof.
• Complete digital verification through OTP on your registered mobile number.
• Submit the form and wait for the bank to review your IndusInd Bank credit card application.
• Once approved, the bank will share your card details or dispatch updates.