Best IndusInd Bank Shopping Credit Card 2026

Key Highlights of the IndusInd Bank Shopping Card

Shoppers compare a set of IndusInd cards to suit their online and in-store spending needs. Looking at Tata Neu Plus, MoneyBack Plus, Tata Neu Infinity, Regalia Gold, and Millennia side by side makes the choice clearer. It helps you see how each card is positioned, who it fits best, and what kind of spender it is built for, without getting lost in marketing labels:

How IndusInd Bank Shopping Credit Cards Help You Save More on Shopping

IndusInd offers a set of cards for shopping based on where people spend and how they prefer value to be tracked. Comparing these cards together helps you understand how shopping expenses are recorded, how returns are structured, and what conditions apply, before you decide which option fits your regular buying pattern:

• IndusInd Bank Platinum Aura Edge offers up to 8X reward points on select merchants, which is the core way it helps you “save” on shopping over time.
• Aura Edge offers four Reward Plans, including the Shop Plan. That’s useful when you want your highest earnings to follow your shopping pattern, not the other way around.
• You can use the card at regular merchant locations and e-commerce sites, so your day-to-day store purchases also contribute to reward earning.
• You can convert points into something usable. There are multiple redemption options, including a monthly cap of 2500 reward points.
• Pinnacle Credit Card offers 2.5 reward points for every ₹100 spent on e-commerce.
• You still earn when the spending is not on online shopping. Pinnacle also earns on PoS and standing instructions, with ₹100 = 1 reward point, so grocery runs, mall billing, and regular card usage still build value.
• There’s a direct discount angle too, not only rewards. Discount vouchers from multiple brands are available (Amazon, Flipkart and others).

Welcome & Joining Benefits for IndusInd Bank Shopping Credit Card

IndusInd Bank’s welcome and joining offers vary by card.

Fees & Charges of IndusInd Bank Shopping Credit Card

Apart from the joining or annual fee, it also helps to look at spend thresholds and standard charges listed in the bank’s fee document, so the actual cost of using the card is clear upfront:

Eligibility Criteria for the IndusInd Bank Shopping Credit Card

IndusInd Bank sets income eligibility criteria. Checking these helps you understand whether you fit the card’s entry level before applying:

Documents Required for IndusInd Bank Shopping Credit Card

IndusInd Bank follows a standard document checklist for its shopping-focused credit cards. The requirements mainly cover identity, address, and income details, with slight differences based on whether you are salaried or self-employed.

• Identity proof (KYC): You need a valid photo ID. IndusInd Bank accepts common IDs such as PAN cards, Aadhaar cards, passports, voter IDs, or driving licences. PAN is mandatory for credit card issuance.
• Address proof: This is used to verify your address. Aadhaar with the current address usually works. If the address is different, documents such as a passport, driving licence, utility bill, or bank statement may be requested.
• Income proof for salaried applicants: If you are salaried, the bank typically requests recent salary slips and bank statements showing salary credit. In some cases, Form 16 may also be accepted.
• Income proof for self-employed applicants: For self-employed individuals, documents such as ITR copies, audited financial statements, and bank statements are typically required to assess income stability.
• Photograph and signature: A recent photograph and signature are captured digitally during the online application or collected physically if required.
• Digital verification: For online applications, Aadhaar-based or video KYC may replace physical document submission, speeding up the process.

How to Apply for the IndusInd Bank Shopping Credit Card through Urban Money

Applying for an IndusInd Bank Shopping Credit Card through Urban Money is simple and works well for first-time users. The process is quick, and you can complete it in a few minutes with basic information. Here is how you can do it step by step:

• Visit the Urban Money website and go to the credit cards section.
• Select the IndusInd Bank Shopping Credit Cards you want from the list of available options.
• Click on the IndusInd Bank Shopping Credit Card option shown on the page.
• Fill in your name, contact number, income details and city.
• The Urban Money experts verify your details and contact you for complete assistance.