IndusInd Bank Business Gold Credit Card Review

If you are looking for a low-cost credit card for your business, then the Indusind Bank Business Gold Credit Card would be a good choice for you. It comes with a customizable rewards plan that can add more value to your transactions. Apart from that, with the useful IndusInd bank credit card app, you can get complete control over your account. More about the IndusInd credit card benefits are discussed below.

How does the IndusInd bank credit card eligibility work?

• Resident Type: Indian. 
• IndusInd credit card eligibility criteria for salaried person: 
  • Age: 21 to 65 yrs. 
  • Income: Rs.25,000 monthly. 
• Indusind credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • Income: Rs.25,000 monthly. 
• A CIBIL score of 680+ is needed to apply for this IndusInd bank card.

You can apply for your desired Indusind card from the IndusInd credit card application online portal. If you are unfamiliar with the IndusInd credit card application process, then you can get some help from our faq page.

What documents are required for an IndusInd credit card application?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • Aadhar Card 
  • Driving License 
  • Passport
  • Utility bill
• One recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Latest salary slip, (3 months) 
    • ITR (Income Tax Return)
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recent audited financial report.

What are the IndusInd bank credit card fees?

• IndusInd credit card joining fee: Will be communicated at the time of application. 
• IndusInd credit card annual fee: Will be communicated at the time of application.

What are the IndusInd credit card benefits?

• Make every transaction rewarding:

The IndusInd bank credit card reward points are offered like this.

Transaction category	IndusInd bank reward points for every Rs.100 spent
	Business plan	Travel Plan	Purchase Plan	Entertainment Plan
Utilities	4 IndusInd bank rewards	—	—	—
Courier service	3 points	—	—	—
Medical	1.25 points	—	—	—
Insurance	1.25 IndusInd reward points	—	—	—
Airlines	—	4 points	—	—
Hotel and resorts	—	3 points	—	1.25 points
Railways and car rental	—	1.25 points	—	—
Computer	—	—	4 points	—
Consumer durables and electronics	—	—	3 points	—
Departmental stores and automotive	—	—	1.25 points	—
Restaurants	—	—	—	4 points
Bar, pubs, and lounges	—	—	—	3 points
Departmental stores				1.25 points
All other expenses	0.5 points	0.5 points	0.5 points	0.5 points

• Instant IndusInd credit card bill payment options:

You can pay IndusInd credit card bills online from your IndusInd netbanking account or by using any credit card bill payment app like; Cred, Paytm, Phone Pe, Google Pay, etc.

• Advanced security arrangements:

This IndusInd bank card is armed with a new and improved EMV chip. These chips use a very strong encryption method to store your credit card information making your Indusind corporate card extremely resistant to credit card cloning.

What are the IndusInd bank credit card charges?

Particulars	Chargeable amount
IndusInd bank card withdrawal charge	2.5% against the amount, min Rs.300 (check your IndusInd credit card limit before making a withdrawal)
IndusInd card finance charge	The IndusInd credit card interest rate can go up to3.83% monthly (applicable if your IndusInd credit card payment is not made in time)
IndusInd forex charges	3.5% against the transacted amount

How to contact the IndusInd credit card customer care department?

• Call the IndusInd bank credit card contact number: 1860-267-7777 / 022-4406-6666 or 022-4220-7777 (Premium Customers)
• Write to the IndusInd bank complaint mail id: indulge.care@indusind.com

100xGain Ratings: 

6/10

Pros and cons of the Indusind business gold card:

Pros	Cons
The Indusind gold card reward scheme is quite impressive.	There are no dining or travel booking benefits on this card. This IndusInd bank credit card does not feature any travel booking benefits.

Final Opinion:

For small business owners, this card can be helpful. especially because of its affordability and the unique reward scheme. But it lacks some essential business-related facilities like expenses management tools or travel booking facilities, which make this card less attractive.

In addition to that, Indusind Bank has stopped issuing this card, therefore, if you want a similar business credit card then head on to our best corporate cards page. You can also compare the alternative card options given below.

Alternative cards:

1. BOI India Credit Card (Best for reward points)
2. Indusind Bank Crest Credit Card (Best for travel and entertainment benefits) 
3. Kotak Mahindra Corporate Platinum credit card (Best for lounge benefits) 
4. Kotak Mahindra Corporate Gold Credit Card (Best for fuel benefits)