IndusInd Bank Credit Card Fees and Charges
IndusInd Bank offers a wide range of credit cards to the customers that comes with certain fees and charges. Cardholders can avail themselves of the services of features of these cards by paying these charges.
IndusInd Bank charges certain fees on specific services and features offered by these cards. IndusInd Bank charges annual fees on credit cards starting from Rs.199 and interest rates ranging between 1.79% to 3.95% per month. Here are more details about the fees and charges of IndusInd Bank credit cards.
Annual and Renewal Fee for IndusInd Bank Credit Cards
IndusInd Bank charges a joining fee at card activation and an annual or renewal fee from the following year, based on the card variant. Some cards offer fee waivers on meeting specified spending milestones. The details on annual and joining fee are given in the table below:
Cards | Joining fee | Annual fee |
Club Vistara IndusInd Bank Explorer Credit Card | Rs.40,000 | Rs.10,000 |
IndusInd Bank Avios Visa Infinite Credit Card | Rs.10,000 | Rs.5000 |
EazyDiner IndusInd Bank Signature Credit Card | Rs.2,999 | Rs.2,999 |
Pioneer Heritage Credit Card | Rs.1 lakh | Rs.25,000 |
Indulge Credit Card | Rs.75,000 | Rs.10,000 |
Celesta Credit Card | Rs.25,000 | Rs.5000 |
Crest Credit Card | Rs.75,000 | Rs.10,000 |
Indus Solitaire Credit Card | Rs.30,000 | Rs.10,000 |
Legend | Rs.5000 | Nil |
Nexxt | Rs.10,000 | Nil |
Pinnacle | Rs.15,000 | Nil |
Pinnacle for Grandé Customers | Rs.5000 | Nil |
Platinum RuPay Credit Card | Rs.10,000 | Nil |
IndusInd Bank Jio-bp Mobility+ Credit Card | Rs.499 | Nil |
Pioneer Legacy Credit Card | Rs.50,000/Rs.5000 | Nil |
Pioneer Private Credit Card | Nil | Rs.25,000 |
Samman Credit Card | Nil | Rs.199 |
Platinum Aura Edge | Nil | Nil |
Poonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card | Nil | Nil |
EazyDiner IndusInd Bank Platinum Credit Card | Nil | Nil |
ePay Amex Credit Card | Nil | Nil |
IndusInd Bank Tiger Credit Card (Co-Brand Credit Card with NIL NIL NA NIL Tiger Fintech - A Bajaj Capital Group company) | Nil | Nil |
Platinum Aura Edge | Nil | Nil |
Platinum | Nil | Nil |
Duo | Nil | Nil |
The annual fee waiver is applicable for the below listed cards:
Cards | Conditions for annual fee waiver |
Samman Credit Card | On spending Rs.75,000 or more in last anniversary year |
Pioneer Heritage Credit Card | On spending Rs.10 lakh in last anniversary year |
Indulge Credit Card | |
Celesta Credit Card | |
Crest Credit Card | |
Indus Solitaire Credit Card | |
Pioneer Private Credit Card |
Note: IndusInd Bank does not charge any fees for add-on cards.
Interest Rate for IndusInd Bank Credit Cards
IndusInd Bank charges interest rates to the credit cards if the full outstanding amount is not paid by the due date. The charges may vary depending on the credit card variants and is listed in table below:
Cards | Per Month Rate | Per Annum Rate |
Indulge Credit Card | 1.79% | 21.48% |
Pioneer Private Credit Card | 2.00% | 24.00% |
Club Vistara Explorer Credit Card | 2.85% | 34.00% |
Pioneer HeritageCelestaCrestPlatinum Aura Edge (For Government Sector) | 2.99% | 36.00% |
IndusInd Bank Avios Visa Infinite Credit Card | 3.00% | 36.00% |
IndusInd Bank Tiger Credit Card | 3.50% | 42.00% |
EazyDinerSignatureEazyDinerPlatinumNexxtPinnaclePioneer LegacyIndus Solitaire Credit CardIconiaDuo Credit CardPoonawalla Fincorp IndusInd Bank eLITE RuPay Credit Card | 3.83% | 46.00% |
Platinum AuraPlatinum Aura EdgeePayAmerican Express Platinum, PlatinumRuPay& LegendPlatinum SelectSamman Credit CardCRED IndusInd Bank RuPay & IndusInd Bank Jio-bp Mobility+ Credit Card | 3.95% | 47.40% |
Late Payment Fee for IndusInd Bank Credit Cards
If the cardholder fails to make payment of outstanding credit card balance within due date, then IndusInd Bank charges late payment fees on outstanding balance. The details of IndusInd Bank credit card late payment fees are mentioned below:
Outstanding Balance | Fees |
Up to Rs.100 | Nil |
Between Rs.101 to Rs.500 | Rs.100 |
Between Rs.501 to Rs.1,000 | Rs.350 |
Between Rs.1,001 to Rs.10,000 | Rs.550 |
Between Rs.10,001 to Rs.25,000 | Rs.800 |
Between Rs.25,001 to Rs.50,000 | Rs.1,100 |
Above Rs.50,000 | Rs.1,300 |
Note: Late payment fees waived off Pioneer Private, Club Vistara Explorer, Pioneer Heritage Credit Card.
Overlimit Fee for IndusInd Bank Credit Cards
On credit transaction above credit limit, IndusInd Bank charges overlimit fees on credit card at 3.50% of overlimit amount (minimum of Rs.500). The overlimit fee is waived off for Pioneer Private, Club Vistara Explorer, and Pioneer Heritage Credit Card.
Foreign Currency Markup Fee for IndusInd Bank Credit Cards
IndusInd Bank charges an extra charge on foreign currency transactions made using the IndusInd Bank credit cards and the charges are listed in the table below:
Cards | Forex mark-up fee |
IndusInd Bank Tiger Credit Card | 1.50% |
Avios Visa | 1.50% at POS transactions at preferred international destination |
Legend, Club Vistara Explorer, Indulge Credit Card | 1.80% |
Pioneer Legacy Credit Card | Paid cards: 1.80%Complimentary cards: 3.50% |
All other credit cards (not specified) | 3.50% |
Note: Foreign currency mark-up fees are waived off for Pioneer Heritage, Pioneer Private, and Indus Solitaire Credit Card.
Other Fees and Charges for IndusInd Bank Credit Cards
The other fees and charges applicable on IndusInd Bank credit cards are mentioned in the below table:
Other Charges | Amount |
Cash Advance Charges | 2.5% of the advance amount (minimum of Rs.300)Waived off for Club Vistara Explorer, Indulge, Pioneer Private, Pioneer Heritage, Pioneer Legacy, Avios Visa Infinite, Platinum Aura Edge (For Government Sector), Samman Credit Card |
Returned Payments | Rs.250 |
Railway Booking Surcharge | As applicable for other cardsFor Samman and Platinum Aura Edge (Government Sector): On transaction up to Rs.5000 offers waiver of 1%Railway Surcharge |
Cash Payment Fee at IndusInd Bank Branch | Rs.100 |
Reward Redemption Fee | Cash redemption:Rs.149Other categories: Rs.100 |
Dynamic Currency Conversion | 1% Mark-up fee plus taxesNote: Not applicable for IndusInd Bank Club Vistara Explorer, Avios Visa Infinite, Indulge, Celesta, Crest, Pioneer Private, Pioneer Heritage, Pioneer Legacy and Indus Solitaire Credit Cards. |
Fuel Surcharge | 1% fuel surcharge waiver |
Duplicate Physical Statement Request | Rs.100 per statement |
Re-issue/Replacement | All Other Credit Cards: Rs.100Crest and Pioneer Heritage Credit Card: Rs.1,000Indulge and Pioneer Private Credit Card: Rs.5,000Club Vistara Explorer Credit Card: NILePay Amex Credit Card: NA |
Charge-slip Request | Rs.300 |
Rent payments through third-party merchants | 1%plusGST levied on each transaction. Note: Exception for Indulge, Celesta, Crest, IndusInd Bank Club Vistara Explorer, Avios Visa Infinite, Pioneer Private, Indus Solitaire and Platinum RuPay Credit Cards, Pioneer Heritage, and Pioneer Legacy. |
Education Payment transactions | 1%plusGST on the cumulative spends. Note: Applicable for education payment transaction made through third-party website.Applicable for application more than Rs.45,000 in a statement cycle.Exception for Pioneer Private, Pioneer Heritage, Pioneer Legacy Credit Cards. |
Wallet Loading transactions | 1%plusGST on the cumulative spends.Note: Applicable on wallet loading transactions more than Rs.20,000 in a statement cycle |
Utility payment transactions | 1%plusGST on the cumulative spends.Note: Applicable on utility payments transactions more than Rs.25,000 in a statement cycle |
Fuel Transactions | 1%plusGST on cumulative fuel transactionsmore thanRs.50,000 in a statement cycle. Note: Exceptions for IndusInd Bank Jio-bp Mobility+ Credit Card, Pioneer Private, Pioneer Heritage, and Pioneer Legacy |
FAQs on IndusInd Bank Credit Card Fees and Charges
- Does IndusInd Bank charges fees on add-on credit cards?
No, IndusInd Bank does not charge any fees on add-on credit cards.
- How will I get the IndusInd Bank credit card statement?
IndusInd Bank sends credit card statements to the cardholders via email or physical mode as specified by the bank.
- What are the criteria for levying joining fees on Pinnacle for Grandé customers & Legacy customers and IndusInd Bank Jio-bp Mobility+ Credit Card?
If spend criteria of Rs.50,000 and Rs.10,000 is not met within 90 days of card issuance, then joining fee of Rs.5000 and Rs.499 is levied on Pinnacle for Grandé customers & Legacy customers and IndusInd Bank Jio-bp Mobility+ Credit Card, respectively.
- Is reward redemption fee applicable for all IndusInd Bank credit cards?
No, reward redemption fees are not applicable for all IndusInd Bank credit cards, such as EazyDiner Signature, EazyDiner Platinum, Pioneer Private, Pioneer Heritage, Avios Visa Infinite, CRED IndusInd Bank RuPay credit card, and IndusInd Bank Jio-bp Mobility+ Credit Card.
- How much is the Priority Pass Usage Fee on IndusInd Bank credit cards?
IndusInd Bank credit card priority pass usage fee is up to US$35 per person per visit.
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