Indusind Bank Duo Card Review

Indusind Bank launches an awesome premium category card for their customers named Indusind Bank Duo card. Cardholders can use the card as a Credit card and Debit card. The card has two magnetic stripes and two EMV Chips. You can use the card as you need it. There is no need to carry multiple cards. There are so many benefits of this card such as reward points, offers on travel, movies, lifestyle, etc. It has also concierge services, auto assistance, Assurance, customer service, etc. You will also get awesome reward benefits with the Debit Card, Now let’s discuss the benefits of the card in detail.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹25,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • 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
      • Recently audited financial report. 


For the Duo Premier Plan: 

  • Joining Fee: ₹3,000 + GST
  • Annual Fee: ₹799 + GST

For the Duo Plus Plan:

  • Joining Fee: ₹1500 + GST
  • Annual Fee: ₹799 + GST


The benefits of Indusind Bank Duo Credit Card:

  • Reward benefit:

With every ₹100 spend from your Indusind Bank Duo card for your daily needs, you will get 1 reward point. 

You can redeem your reward points in various ways. You can choose from beauty products, home, and kitchen appliances, electronics goods or you can use through various gift vouchers of Genesis luxury and Oberoi hotels and resorts

1 reward point is equal to ₹0.75. 

  • Lounge access:

You can get lounge access to more than 700 places. You can make your Travel easy with your IndusInd Bank Duo credit card through its priority pass membership

Also with the travel pass, you can get 8 free lounge accesses per year across many countries. You can save approximately ₹16000 in a year.

  • Movie benefit:

If you book a ticket from you can get a free ticket worth ₹250. You can get 12 free tickets every year.

  • Fuel surcharge waiver:

You will get freedom from 1% of the fuel surcharge at any petrol pump in India. To avail of this offer, you have to transact between Rs.400 to Rs.4000.

  • Insurance Coverage:

This card offers ₹25lakh coverage for air accidental death, ₹50000 coverage for loss of passport, ₹1 lakh coverage for loss of baggage, ₹25000 coverage for delaying of baggage, ₹25000 coverage for loss of ticket, ₹25000 coverage for missing of connection

  • Lost card liability coverage:

IDBI Bank offers zero lost card liability coverage with this card, This offer covers the fraud transactions that are done after reporting the loss. So you should report your loss of card as soon as you notice it.

  • Concierge Service:

You will get concierge services with this card which is available 24×7. With this facility, you can enjoy pre-trip assistance, flight booking, hotel reservation, sports and entertainment booking, etc.

You can also get the facilities of roadside repair, emergency fuel supply, flat tire services, battery service, etc. with the help of its Auto Assist Facility.

The benefits of Indusind Bank Duo Debit Card:

  • Reward benefit:

You will get 100 reward points when you transact at Indusind Bank ATM, this offer is valid only for 60 days after receiving the card.

You will get 50 reward points when you transact at another ATM. This offer is also valid for 60 days after receiving the card.

You will get 100 reward points for Mobile banking transactions.

100 reward points for using the card for International or domestic shopping.

50 reward points for e-commerce transactions.

You can redeem these reward points through cash credit, Indus moments, etc.

  • Movie benefit:

When you book a ticket from you will get a ticket free worth ₹250.

  • Insurance Coverage:

You will get ₹3 lakh personal accidental coverage, and a ₹50,000 purchase protection. 

This card also offers an air accidental coverage of ₹25 lakh. 

Charges Duo Credit Card:

  • Cash Withdrawal Charge: 2.5% against the amount, min ₹300. 
  • Finance Charge: 3.83% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1860-267-7777


100xGain Ratings:


Final Opinion:

IndusInd Bank Duo Credit Card is a very unique credit card, it gives you the benefits of both credit card and debit card. You will get some premium benefits like Lounge access, concierge service, free movie tickets, insurance coverage, lost card liability coverage, etc. you can also earn a decent amount of reward points with the credit card. 

On the other hand, with a debit card, you can earn big reward points and free movie tickets. So if you want a have a dual-purpose credit card then this card is perfect for you.  

But if you want a normal and easy-to-use credit card that can earn you the same or better benefits then you can go for Kotak Mahindra Wealth Management Infinite Credit Card, and if you want to spend more then, you can go for American Express Platinum Reserve Credit Card

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