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    IndusInd Bank Credit Card Reward Points

    The credit cards offered by IndusInd Bank are divided into three categories – Super Premium Credit Cards, Premium Credit Cards and Co – Branded Credit Cards. All the cards offered by the bank have a lot of benefits to offer to their users. One such benefit is the rewards program, which gives cardholders a chance to earn points whenever they spend money using their IndusInd Bank credit card. They can redeem these points to avail attractive rewards such as air miles, cash credit, vouchers, products, etc. All the credit cards offered by the bank qualify for the rewards program except for some co- branded cards.

    The co- branded cards offered by the bank have other rewards to offer such as JP Miles and WorldMiles that are basically air miles. The WorldMiles program is divided into three types – FlightMiles, SpendMiles and PartnerMiles, which customers can earn when they spend money using their IndusInd Bank WorldMiles credit card.

    Apart from this, IndusInd Bank Platinum Aura Credit Card offers Savings Points to their customers instead of rewards points, but these points are redeemed in the same way as the reward points.

    How can I earn reward points under the IndusInd Bank Credit Card Rewards Program?

    Reward Points:

    IndusInd Bank Credit Card customers earn reward points whenever they spend money using their card to purchase a product or service. Cardholders can earn the following points on the credit cards issued by the bank.

    Credit Card

    Reward Points

    Spend Category

    IndusInd Bank Indulge

    1.5 points for every Rs.100

    All types

    IndusInd Bank Pinnacle

    2.5 points for every Rs.100

    E – Commerce

    1 point for every Rs.100

    Point of Sale terminals (IVR and MoTo transactions, Standing Instructions)

    Note – IndusInd Bank Pinnacle credit cardholders can earn a maximum of 25000 reward points in one statement cycle

    IndusInd Bank Signature

    1.5 points for every Rs.100

    All types

    IndusInd Bank Platinum

    1.5 points for every Rs.150

    All types

    IndusInd Bank Iconia American Express

    Weekdays Offer – 1.5 points for every Rs.100

    Weekends (Saturday and Sunday) Offer – 2 points for every Rs.100

    Domestic or International spends

    IndusInd Bank Iconia Visa

    Weekdays Offer – 0.75 points for every Rs.100

    Weekends (Saturday and Sunday) Offer – 1 point for every Rs.100

    Domestic or International spends

    IndusInd Bank Platinum Select

    1 point for every Rs.150

    All types

    IndusInd Bank Chelsea FC

    1 point for every Rs.100

    All types

    Up to 250 points (4x rewards) on 5 transactions between Rs.1000 and Rs.1500 in a month

    All merchant categories

    Chance to earn up to 50 points (2x rewards) on every transactions between Rs.2000 and Rs.2500 in a month

    Jet Airways IndusInd Bank Odyssey American Express

    4 points on every Rs.100

    Utility, Fuel and Insurance

    Jet Airways IndusInd Bank Odyssey Visa

    3 points on every Rs.100

    Utility, Fuel and Insurance

    Jet Airways IndusInd Bank Voyage American Express

    4 points on every Rs.100

    Utility, Fuel and Insurance

    Jet Airways IndusInd Bank Voyage Visa

    3 points on every Rs.100

    Utility, Fuel and Insurance

    Savings Points:

    Owners of IndusInd Bank Platinum Aura Credit Card earn savings points (instead of Reward points) when they spend money using their card. One savings point is equal to Rs.0.5 or 0.5 air miles. The spending has been divided into 4 plans, which are:

    • Platinum Aura Shop Plan: As per this plan, cardholders can earn savings points on every Rs.100 they spend using their card. The amount of points they earn in each category are mentioned below:
      Spend Category Savings Points
      Departmental Stores 4 points
      Electronic items or consumer durables 2 points
      Books 1.5 points
      Restaurants 1.5 points
      Other spends 0.5 points
    • Platinum Aura Home Plan: As per this plan, cardholders earn the following amount of savings points on every Rs.100 they spend using their card in each category.
      Spend Category Savings Points
      Grocery 4 points
      Mobile bills 2.5 points
      Insurance premium 1.5 points
      Electricity bills 2.5 points
      Medical 1.5 points
      Other spends 0.5 points
    • Platinum Aura Travel Plan:As per this plan, cardholders earn the following amount of savings points on every Rs.100 they spend using their card in each category.
      Spend Category Savings Points
      Air tickets 2.5 points
      Hotel 4 points
      Car rent 1.5 points
      Railway tickets 1.5 points
      Other spends 0.5 points
    • Platinum Aura Party Plan: As per this plan, cardholders earn the following amount of savings points on every Rs.100 they spend using their card in each category.
      Spend Category Savings Points
      Departmental Stores 2 points
      Restaurant 4 points
      Pubs and Bars 2 points
      Movie ticket bookings 1.5 points
      Other spends 0.5 points

    WorldMiles (FlightMiles, SpendMiles and PartnerMiles):

    IndusInd Bank Worldmiles Credit Card:

    Cardholders of IndusInd Bank Worldmiles Credit Card earn FlightMiles (instead of Reward points) every time they book a domestic airline ticket using their card under the WorldMiles program. These air miles are given based on the percentage of the total ticket fare and the Ticketed – Point – Mileage (TPM).

    Percentage of the actual fare off the total ticket fare Percentage of WorldMiles accrued off the total TPM
    0-20 20
    21-30 30
    31-40 40
    41-50 50
    51-60 60
    61-70 70
    71-80 80
    81-90 90
    91-100 100

    Credit cardholders can also earn miles when they book international flight tickets. In the WorldMiles program, the earth has been divided into different zones and the major cities of every zone are considered for calculating the TPM. If cardholders book a flight between these major cities, then they can earn a specific number of WorldMiles. These miles are based on the amount they pay for the tickets compared to the total fare between the cities of every zone.

    IndusInd Bank WorldMiles Credit Cardholders can earn SpendMiles whenever they swipe their credit card to make payments. They can earn 3 SpendMiles on every Rs.100 they spend using their IndusInd Bank WorldMiles Signature Credit Card and 2 SpendMiles on every Rs.100 they spend using their IndusInd Bank WorldMiles Platinum Credit Card.

    Apart from FlightMiles and SpendMiles, cardholders can earn PartnerMiles under the WorldMiles program. On every Rs.100 cardholders spend on hotel bookings, they can earn 3 PartnerMiles.

    JP Miles:

    Jet Airways IndusInd Bank Odyssey American Express and Visa Credit Cards: Credit cardholders of Jet Airways IndusInd Bank Odyssey American Express and Visa Credit Cards can earn JP Miles on their domestic and international spends. They can earn a maximum of 75000 miles annually.

    Jet Airways IndusInd Bank Voyage American Express and Visa Credit Cards: Credit cardholders of Jet Airways IndusInd Bank Voyage American Express and Visa Credit Cards can earn JP Miles on their domestic and international spends. They can earn a maximum of 50000 miles annually.

    How to Redeem IndusInd Bank Credit Card Reward Points:

    Reward Points:

    To redeem their reward points, IndusInd Bank credit cardholders have to contact the Phone Banking service of the bank and place a redemption request. They can redeem a maximum of 30, 000 points in one billing statement cycle.

    IndusInd Bank Credit Cardholders can also redeem their points online on TheMoreStore website. There are two options for redeeming the points on this website. The first one is Redemption only and the second one is Redemption plus Shopping. Redemption plus Shopping, in simple words is the website’s points plus pay option.

    Cardholders can redeem their points to avail the following products or services –

    Categories Eligible IndusInd Bank Credit Cards
    TheMoreStore Pinnacle, Signature, Iconia (American Express and Visa), Platinum Select, Platinum Aura, Chelsea FC and Platinum
    Vouchers for Stay at Oberoi Hotels and Resorts Pinnacle, Signature, Iconia (American Express and Visa), Platinum Select, Platinum Aura, Indulge and Platinum
    Vouchers of Genesis Luxury Pinnacle, Signature, Iconia (American Express and Visa), Platinum Select, Platinum Aura, Indulge and Platinum
    Air miles of partner airlines Pinnacle, Signature, Iconia (American Express and Visa), Platinum Select, Platinum Aura, Indulge, Chelsea FC and Platinum
    Cash credit Pinnacle, Signature, Iconia (American Express and Visa), Platinum Select, Platinum Aura, Indulge, Chelsea FC and Platinum

    The Rewards Catalogue of TheMoreStore website is divided to various categories such as –

    • Lifestyle/Fashion
    • Education and Stationery
    • Gift Vouchers and Experiences
    • Travel
    • Perfumes
    • Home and Kitchen
    • Personal Care and Beauty
    • Mobile Phones/ Tablets
    • Electronics and Computers
    • Cameras

    Under each category, there are different products that cardholders can avail by redeeming their IndusInd Bank Credit Card reward points.

    To avail vouchers, air miles or cash credits, the cardholders have to redeem the following number of reward points –

    Credit Card 1 Voucher for Stay at Oberoi Hotels and Resorts Rs.25000 worth Genesis Luxury Vouchers Air miles of partner airlines Cash Credit
    IndusInd Bank Indulge Credit Card 25000 points 22500 points 100 points for 100 miles 1 point to avail Rs.1
    IndusInd Bank Pinnacle Credit Card 25000 points 25000 points 100 points for 100 miles 1 point to avail Rs.1
    IndusInd Bank Signature Credit Card 25000 points 25000 points 100 points for 100 miles 1 point to avail Rs.1
    IndusInd Bank Platinum Credit Card 30000 points 29500 points 100 points for 100 miles 1 point to avail Rs.0.85
    IndusInd Bank Platinum Select Credit Card 33333 points 34000 points 100 points for 100 miles 1 point to avail Rs.0.75
    IndusInd Bank Platinum Aura Credit Card 50000 points 50000 points 100 points for 50 miles 1 point to avail Rs.0.50
    IndusInd Bank Chelsea FC Credit Card - - 1250 points for 500 air miles 1 point to avail Rs.0.40
    IndusInd Bank Iconia American Express or VISA Credit Card 25000 points 25000 points 100 points for 100 miles 1 point to avail Rs.1

    Cardholders have to redeem a minimum number of reward points if they wish to avail cash credit and air miles.

    Credit Card Minimum Reward points required to be redeemed to avail Air miles Minimum Reward points required to be redeemed to avail Cash Credit
    IndusInd Bank Indulge Credit Card 500 500
    IndusInd Bank Pinnacle Credit Card 500 500
    IndusInd Bank Signature Credit Card 500 500
    IndusInd Bank Platinum Credit Card 500 500
    IndusInd Bank Platinum Select Credit Card 500 500
    IndusInd Bank Platinum Aura Credit Card 1000 500
    IndusInd Bank Chelsea FC Credit Card 1250 500
    IndusInd Bank Iconia American Express or VISA Credit Card 500 500

    WorldMiles (FlightMiles, SpendMiles and PartnerMiles):

    IndusInd Bank WorldMiles credit cardholders can redeem their WorldMiles on the website ‘myworldmiles.com’. They can avail free air tickets of any Indian airline against their WorldMiles. To redeem the points, they have to collect a minimum of 10000 WorldMiles and complete 3 activities as part of the WorldMiles program.

    JP Miles:

    The members of Jet Airways IndusInd Bank Odeyssey Credit Cards and Jet Airways IndusInd Bank Voyage Credit Cards can redeem the JP Miles that they have earned to book Jet Airways flight tickets. They can also redeem their points to upgrade the travel class. To redeem their JP Miles they have to visit the website of Jet Airways and login using their Jet Privilege account.

    List of IndusInd Bank Credit Cards with Rewards Benefits:

    IndusInd Bank Indulge
    IndusInd Bank Pinnacle
    IndusInd Bank Signature
    IndusInd Bank Iconia American Express
    IndusInd Bank Iconia Visa
    IndusInd Bank Platinum
    IndusInd Bank Platinum Select
    IndusInd Bank Chelsea FC
    Jet Airways IndusInd Bank Odyssey American Express
    Jet Airways IndusInd Bank Odyssey Visa
    Jet Airways IndusInd Bank Voyage American Express
    Jet Airways IndusInd Bank Voyage Visa

    IndusInd Bank Credit Card Reward Points Program FAQs:

    1. Can I use the JP Miles that I have earned on my Jet Airways IndusInd Bank Credit Card to book air tickets for someone else?

      Yes, you can use the JP Miles that you have earned on your Jet Airways IndusInd Bank Credit Card to book air tickets for someone else.

    2. I plan to redeem my IndusInd Bank reward points against 1 voucher for stay at Oberoi Hotels and Resorts. How long is this stay?

      One voucher for stay at Oberoi Hotels and Resorts is for 1 night stay. Only at Oberoi Cecil, which is located in Shimla, the stay is for 2 nights per voucher.

    3. To avail which products can I use the Genesis Luxury Vouchers that I got in exchange for my IndusInd Bank reward points?

      You can avail products from the following brands using the Genesis Luxury Vouchers that you got in exchange for your IndusInd Bank reward points –

      1. Bottega Venetta
      2. Tumi
      3. Jimmy Choo
      4. Luxxe Box
      5. Canali
      6. Paul Smith
      7. Etro
      8. Michael Korrs
      9. Emporio Armani
      10. Villeroy & Boch
      11. Furla
      12. Giorgio Armani
      13. Armani Jeans
    4. Can I redeem my IndusInd Bank reward points to pay my pending credit card bill?

      You can convert your IndusInd Bank reward points to cash. You can then use this cash to pay your pending credit card bill.

    5. From where can I get more information about IndusInd Bank Rewards Program?

      You can get more information about IndusInd Bank Rewards Program from the website of the bank. You can also get the information from the bank’s customer care or any of their branches. 

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