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Best IndusInd Bank Online Shopping Credit Card 2026

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Popular IndusInd Bank Online Shopping Credit Card Offers

Scout through some of the best hand-picked credit card offers.

Pinnacle World Credit Card

Travel
Rewards
Online Shopping

Joining Fee: ₹15,000 + Taxes
Annual/Renewal Fee: ₹0

Offer on movie tickets book with BookMyShow.
Upto 1 international/domestic lounge visit.
Membership for VIP access to airport lounges for up to 8 visits every year.

+ More Details

What is the Indusind Bank Online Shopping Credit Card?

The IndusInd Bank Online Shopping Credit Card is a premium option designed for customers seeking greater value on e-commerce and digital purchases. It offers higher reward points on online shopping than standard spend and includes extra benefits that support frequent app-based orders, travel bookings, and lifestyle expenses.

IndusInd Bank positions this card category for users who prefer rewards redeemable for vouchers, air miles, or statement credit. The structure works well when most of your spending happens online. The card also includes additional privileges such as travel access, movie offers, and concierge services, making it suitable for customers who want more than just basic reward points.

Key Highlights of Indusind Bank Online Shopping Credit Card

This card focuses on delivering better value for digital spending and offers lifestyle benefits that support frequent online use.

Highlight	Details
More substantial value on online purchases	Higher reward points on e-commerce transactions
Travel & airline benefits	Additional points on online travel bookings
Standard rewards on regular spends	Lower but steady reward points on routine payments
Premium lifestyle privileges	Lounge access, concierge support and entertainment benefits
Joining Fee Structure	High one-time joining fee with a matching welcome voucher
Annual Fee	No yearly fee charged after the first year on most variants
Fuel Surcharge Waiver	1% waiver on eligible fuel transactions
Flexible redemption	Points can be used for vouchers, purchases, travel or statement credit

Key Features of Indusind Bank Online Shopping Credit Card

The IndusInd Bank Online Shopping Credit Card is built around premium rewards and extra value on digital spending. The features suit users who shop often on e-commerce sites and use app-based services regularly.

Higher reward points on e-commerce spends: Online shopping earns more points than regular transactions, which helps frequent buyers collect rewards faster.
Extra value on travel bookings: Airline and travel purchases made through online platforms earn additional points compared to standard categories.
Consistent reward rate on everyday spends: Routine payments still earn points, although at a lower rate, making the card usable for daily expenses.
Multiple lifestyle benefits: Lounge access, concierge assistance and entertainment offers are included for users who want premium advantages alongside online rewards.
Strong redemption flexibility: Points can be redeemed for vouchers, merchandise, flights, hotel bookings, or statement credit, depending on user preference.
Fuel surcharge waiver: A waiver on eligible fuel transactions helps reduce small recurring costs throughout the month.

Reward Points on Online Purchases

The IndusInd Bank Online Shopping Credit Card gives its highest reward value on e-commerce spending. Online shopping earns more points than in-store purchases, helping frequent buyers collect rewards faster.

E-commerce transactions: Online shopping on major platforms earns higher reward points per ₹100 spent, yielding more substantial returns than offline purchases.
Online travel and airline bookings: Travel-related purchases made through online portals also earn additional points, which benefits users who book flights or hotels online.
Regular online payments: Many app-based purchases, subscriptions and digital services earn points at a steady rate, helping users build value through everyday internet spending.
Offline transactions: Purchases made in physical stores earn standard reward points, keeping the card active in both online and offline channels.

Fees & Charges for Indusind Bank Online Shopping Credit Card

The IndusInd Bank Online Shopping Credit Card has a premium fee structure, with a high joining fee and no annual fee in most cases. Here is a clear table covering the main charges.

Fee Type	Details
Joining Fee	₹15,000 + GST (effective cost ~₹17,700), with welcome vouchers worth up to ₹15,000 on most recent offers
Annual / Renewal Fee	Nil annual fee from year two onwards
Interest Rate on Purchases	Around 3.83% per month (≈ 46% p.a.) on revolving balances
Late Payment Fee	Slab-based, roughly ₹100 to ₹1,300 depending on total outstanding amount
Overlimit Fee	2.5% of the overlimit amount, minimum ₹500
Foreign Transaction Fee	3.5% of the transaction amount on international spends
Cash Advance Fee	2.5% of withdrawal, minimum ₹300 per transaction
Finance Charges on Cash Advances	Same interest rate as purchases (around 3.83% per month) from the date of withdrawal until full repayment

Things to Know Before You Apply for an IndusInd Bank Online Shopping Credit Card

It helps to understand how this card works before you apply. The IndusInd Bank Online Shopping Credit Card is positioned as a premium product, so the joining fee is higher than that of regular online shopping cards. Most of the value comes back through welcome vouchers, online reward points and lifestyle benefits, so the card makes more sense if you use both the vouchers and the online reward structure fully.

The reward rate is strongest on e-commerce transactions. Online travel bookings also earn extra points, which can be helpful if you book flights or hotels frequently. Routine offline transactions earn fewer points. Redemption options include vouchers, merchandise, flights, hotel stays, and statement credit so that you can use your rewards in different ways. Interest charges are high if you carry a balance, so timely payments are essential to maximise the benefits.

Eligibility Criteria

IndusInd Bank uses premium eligibility filters for this card category, as it is designed for higher-income users who spend frequently online.

Residency: You must be an Indian resident with valid KYC documents.
Age Requirement: Applicants should fall within the bank’s approved age range, starting from adulthood.
Income Requirement: A higher income level is usually required for approval. IndusInd Bank typically assesses either a substantial monthly salary or a solid annual income based on ITRs.
Credit History: A good credit score and clean repayment track record improve the chances of approval.

Documents Required

You will need standard documents during the application process.

PAN card
Identity proof
Address proof
Recent salary slips or bank statements for salaried applicants
ITR or financial statements for self-employed applicants
Any additional documents requested by IndusInd Bank during verification

How to Apply Through Urban Money

You can apply for the IndusInd Bank online shopping credit card through Urban Money in a simple process.

Open the Urban Money website.
Go to the Credit Cards section on the homepage.
Select IndusInd Bank from the list of available banks.
Look for the card listed under the Online Shopping Credit Card category.
Click on the Apply Now button next to the card.
Fill in your details, including name, mobile number, email, PAN and city.
Submit the form so Urban Money and IndusInd Bank can begin the verification process.

A Clear Look at the Value of the IndusInd Bank Online Shopping Credit Card

The IndusInd Bank Online Shopping Credit Card is suited for users who prefer higher rewards on e-commerce spending and want access to premium lifestyle features. The reward structure works well for frequent online buyers because the highest value appears on digital and travel-based purchases. The one-time joining fee is higher, but the welcome vouchers and ongoing benefits balance it out for users who take advantage of the features. The card also offers flexible reward redemption options, allowing users to redeem points in different ways. It is well-suited for those who already spend a significant portion of their monthly budget on online platforms.

Frequently Asked Question (FAQs)

Are there any annual/renewal fees for the Indusind Bank online shopping card?

The card usually comes with a high one-time joining fee. Most variants do not charge an annual or renewal fee after the first year.

Can I convert large online purchases into EMI using the Indusind Bank online shopping card?

Yes. IndusInd Bank allows EMI conversion on most eligible transactions, including larger online purchases. EMI options depend on the transaction amount and the terms available at the time of conversion.

How can I get the annual fee waiver on the IndusInd Bank online shopping card?

A fee waiver is generally not needed, as this card category is typically treated as lifetime-free once the joining fee is paid. However, specific promotional variants may offer waiver conditions, so it’s good to check the latest details.

Are there any recent changes to Indusind Bank Card’s reward policy for online shopping?

Reward structures for online spending can be updated periodically. Partner websites, earning rates, and redemption options may change with new campaigns. Checking IndusInd Bank’s latest policy or rewards portal provides the most up-to-date information.