Indusind Bank Duo Card Review

The indusind bank duo card is one of the most unique credit cards you can get in India. It comes loaded with two EMV chips, and two magnetic strips, and functions both as a debit card and a credit card. It lets you enjoy useful rewards with every transaction, free movie tickets every month, handsome waivers on fuel surcharges, and lots more. More about the duo credit card benefits are discussed below.

Who can apply for the indusind duo card?

  • Resident Type: Indian. 
  • Indusind bank credit card eligibility criteria for salaried person:
    • indusind credit card age limit: 21 to 60 yrs. 
    • Income: Rs.25,000 monthly. 
  • Indusind bank card eligibility criteria for self-employed person:
    • Indusind credit card age limit: 21 to 65 yrs. 
    • Income: Rs.25,000 monthly. 
  • A CIBIL score of 680+ is needed to apply for this Indusind dual card.

What documents are required to apply for an indusind bank 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
      • Recently audited financial report.

What are the Indusind duo card fees?

Duo Premier Plan

Duo Plus Plan

Joining fee 

Rs.3,000 + GST

Joining fee 

Rs.1,500 + GST

Annual fee

Rs.799 + GST

Annual fee

Rs.799 + GST

What are the benefits of indusind bank duo credit card?

  • Make every transaction rewarding:

The indusind credit card reward points are offered like this.

Indusind Duo Credit Card

Category of transaction 

Reward points

Regular credit card transactions

1 indusind reward points / Rs.150 spent

Indusind Duo Debit Card

Category of transaction 

Reward points

Shopping transaction (domestic)

1 indusind reward point / Rs.150 spent

Shopping transaction (e-commerce/international)

2 indusind bank rewards / Rs.150 spent

Transactions made via net banking

5 indusind rewards / Rs.150 spent (5 transactions per month)

Transactions made via mobile banking

10 rewards / Rs.150 spent (5 transactions per month)

Cash withdrawal (at Indusind ATMs)

5 rewards / Rs.150 spent (5 transactions per month)

  • Enjoy attractive indusind credit card movie ticket offers:

If you use this card to book a movie ticket from BookMyShow, you will receive another one completely free(up to Rs.250). You can get this indusind credit card offer 12 times a year.

  • Get freedom from fuel surcharges:

This indusind bank duo card features a 1% fuel surcharge waiver across all fuel stations in India. To avail of this offer, the transaction amount should be between Rs.400 to Rs.4000.

  • Complimentary insurance coverage:

On this duo card indusind bank offers complimentary travel insurance coverage. The details are mentioned below.


Total coverage amount

Lost baggage 


Delayed baggage 


Lost passport 


Loss of ticket


Missed connection


Lost card liability coverage 


Air accidental death coverage 


Click here for the applicable terms and conditions.

  • Instant indusind credit card bill payment options:

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

What are the indusind bank duo card charges?


Chargeable amount

Indusind bank atm withdrawal charge 

(for credit cards only)

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

Indusind duo card finance charge

The duo credit card interest rate can go up to3.83% monthly (applicable if you don’t pay indusind credit card bill in time)

Indusind credit card international transaction fee

3.5% against the transacted amount

How to contact the indusind bank credit card customer care department?

  • Call the indusind bank credit card helpline no: 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 this Indusind debit cum credit card:



  • You can earn assured indusind bank rewards with every transaction.
  • This indusind bank credit card offers some free movie tickets every month.
  • There are no dining benefits on this indusind bank debit cum credit card.

 Final Opinion:

If you are looking for a low-cost credit card for your regular usage, then the Indusind bank duo credit card would be a good option for you. It lets you earn useful rewards with every transaction, win free movie tickets every month, and a handsome monthly waiver on fuel surcharges. 

But since it works both as a debit card and a credit card, handling it could be a bit difficult. Therefore if you are looking for a credit card with similar benefits, then I would suggest you take a look at the alternative credit card options given below.

Alternative cards:

  1. BOB Premier Credit Card (Best for lounge benefits)
  2. IDBI Bank Euphoria World Credit Card (Best for fuel surcharge waivers)
  3. Kotak Mahindra Bank Aqua Gold Credit Card (Best for fuel surcharge waivers)
  4. Vi Credit Card (Best for reward points)

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