IndusInd Bank Business Gold Credit Card

Indusind Bank offers so many credit cards for their customers for their daily uses and the Indusind Bank Business Gold Credit Card is one of them. This card is specially designed for travel, dining and lifestyle. There are so many benefits of this card. If you apply for this card you will be able to get welcome gift, reward points, travel offers, dining offers, movies offers, Various plan, concierge services, contactless features etc.

Eligibility Criteria:

•Age: The applicant should be 18 years old and more.

•Citizenship: The applicant must be an Indian or non resident Indian .

•Occupation:  Applicant must be salaried or self employed.

Applicant should have a very good credit score.

•Income:

Applicant should have a good source of income.

•Applicant must have to pay the previous loan if any.

Required Documents:

•             Identity proofs: Voter card and Aadhaar card, Driving license.

•             Address proof: Ration card, aadhaar card,

•             Income proofs: bank statement of last three months , salary slip of last 3 months or any document of income.

•             PAN card

•             Photographs.

Fees:  No joining fees

No for renewal fees.

No add-on card fee.

Privileges on Indusind Bank Business Gold Credit Card:

  • Welcome gifts: If you choose this card you will get some welcome gift vouchers. After paying the joining fees of your card you will get a SMS on your registered mobile number. You will receive gift vouchers by this SMS. You can choose the gift vouchers by replying the SMS or by calling the customer care number.
  • Reward:  Youcan earn reward points by making payments.

Reward points are redeemable and you can redeemed these through cash credit or airline miles. 1 reward points is equals to Rs.0.50.

  • Savings Plan:
    • Business savings plan: If you spend Rs.100 for utilities you will get 4 savings points.

If you spend Rs.100 for courier services  you will get 3 savings points.

If you spend Rs.100 for medical purposes you will get 1.25 savings points.

If you spend Rs.100 for insurance you will get 1.25 savings points.

If you spend Rs.100 for all other spendings you will get 0.5 savings points.

  • Purchase plan: If you spend Rs.100 for purchasing computer you will get 4 savings points.

If you spend Rs.100 for purchasing consumer durables and electronics you will get 3 savings points each time.

If you spend Rs.100 at Departmental stores you will get 1.5 savings points.

If you spend Rs.100 for automotive you will get 1.5 savings points.

If you spend Rs.100 for all other spendings you will get 0.5 savings points.

  • Travel plan: If you spend Rs.100 for airlines you will get 4 savings points.

If you spend Rs.100 for bookings of hotels and resorts you will get 3 savings points.

If you spend Rs.100 for rent of cars and bookings of rail tickets you’ll get 1.5 savings points each time.

If you spend Rs.100 for all other spendings you will get 0.50 savings points.

  • Entertainment Plan: If you spend Rs.100 for restaurants bills you will get 4 savings points. You will get1.5 savings points each time on your Departmental stores, hotels and resorts. You will get 3 savings points for bars and pubs spending. And 0.50 savings points for all other spendings.
  • Concierge services: You will get concierge services with this card which is available in 24×7. With this facility you can avail pre-trip assistance, flight booking, hotel reservation, sports and entertainment booking , ordering flowers and gifts for your special one.
  • Fuel surcharge waiver:  You will get freedom from 1% fuel surcharge if you spend at any petrol pump in India. The savings will depend on your spending.
  • Assurance:
    • Total Protect: You will be helped if your card or card details are stolen. The Total Protect facility of this card will help you.
  • Online services:  There are some online features of this card like –
    • You can check your balance from your register mobile number.
    • You can get your last 5 statement through SMS from your registered mobile number.
    • You can get your account statement of last three months.
  • Charges:
  • Interest rate 3.83% per month and 46% per year.
  • Cash advance fee 2.5% of advance amount .
  • Late payment charges:
    • Rs.0 for up to Rs.100
    • Rs.100 for Rs.101 to Rs.500
    • Rs.350 for Rs.501 to Rs.1000
    • Rs.550 for Rs.1001 to Rs.10000
    • Rs.700 for Rs.10000 and more.
  • Rs.100 for cash payment fees at the branch of Indusind Bank.
  • Rs.100 for requesting duplicate statement.
  • Rs.100 for replacement of the card.
  • Rs.300 for requesting charge slip.
  • Rs.250 for changing savings plan.
  • Foreign currency mark-up 3.5%

Customer care:  For more details you can contact in this helpline number 1860 267 7777.

100X Gain Rating:  4.5 stars.

Final Opinion:  If you’re looking for a credit card for your lifestyle benefits you can use the IndusInd Bank Business Gold credit card. Its charges are very low thus you can save money by using its savings points.

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