IndusInd Bank Classic Credit Card Review

If you are new in the credit card market and looking for an entry-level credit card to begin with, then you would love the Indusind Bank Classic Credit Card. It is a lifetime free credit card with many useful credit card features and benefits including complimentary priority pass membership, a multilingual concierge and auto assistance facility, and many more. A detailed description of the indusind credit card benefits is given below.

How does the indusind bank credit card eligibility work?

  • Resident Type: Indian. 
  • IndusInd credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.25,000 monthly. 
  • IndusInd bank 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 credit card.

What documents are required to apply for indusind credit card?

  • 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
    • 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: None
  • Indusind credit card annual fee: None. 

What are the indusind credit card benefits?

  • Make every transaction rewarding:

Every transaction you make using this card can earn assured indusind bank credit card reward points

  • Add comfort to your travel:

This indusind bank card comes with a complimentary priority pass membership that gives you access to over 600+ VIP airport lounges across the globe.

  • Enjoy assistance from a multilingual concierge team:

The indusInd bank offers a multilingual concierge service facility with this card. It can provide you with assistance with travel booking, hotel reservations, gift delivery, and lots more. Call the indusind bank credit card helpline number to book your free concierge.

  • Get freedom from fuel surcharges:

This indusind credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. Your total savings depends on your credit card usage.

  • Experience an always-active auto-assistance facility:

You will get a complimentary auto-assistance facility with this indusind card. They can assist you with flat tires, emergency fuel delivery, battery services, accident management, etc.

  • Instant indusind credit card bill payment options:

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

  • Complimentary lost card liability coverage:

This indusind bank credit card features a complimentary lost card liability coverage, which means, if your card ever gets lost or stolen then you just have to report it to the indusind bank credit card helpline no and you will no longer be liable for anything bad that may happen to your lost card.

What are the charges of the IndusInd Bank credit card?


Chargeable amount

Indusind credit card cash advance fee

2.5% against the amount, min Rs.300 (check your available indusind credit card limit before making a withdrawal)

Indusind bank card finance charge

The indusind credit card interest rate can go up to3.83% monthly (applicable if your indusind bank credit card bill is not cleared in time)

Indusind credit card international transaction charges

3.5% against the transacted amount

Indusind credit card add on credit card fee


How to contact the indusind credit card customer care department?

  • Call the indusind credit card customer care number: 1860-267-7777 / 022-4406-6666 or 022-4220-7777 (Premium Customers)
  • Write to the indusind credit card mail id:

100xGain Ratings: 


Pros and cons of IndusInd Bank Classic Credit Card:



  • This credit card offers you free access to airport lounges.
  • You will get a concierge and auto assistance facility with this indusind bank card.
  • It is a zero annual fee credit card.
  • There are no dining or entertainment benefits on this indusind credit card.

Final opinion:

For regular usage, this card can be really helpful, it lets you earn assured indusind rewards points with every transaction, get free access to airport lounges via priority pass membership, and earn handsome monthly waivers on fuel surcharges.

 But unfortunately, IndusInd Bank has stopped issuing this card. Therefore, I would suggest you take a look at the alternative card options given below, it will help you in finding your choice.

Alternative cards: 

  1. Citi Indian oil Platinum Fuel Credit Card (Best for reward and fuel benefits)
  2. ICICI MakeMyTrip Signature Credit Card (Best for travel and dining benefits)
  3. Indusind Bank Signature Credit Card (Best for travel and movie benefits)
  4. RBL Bank Cookies Credit Card (Best for dining and travel benefits)


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