IndusInd Bank Gold Credit Card Review

If earning reward points with every transaction sounds beneficial to you, then you would love the IndusInd Bank gold card. It is a lifetime free credit card that comes with a very unique rewards scheme that can sync with every lifestyle, and lets you earn assured rewards with every transaction. If you are interested in this card then make sure to go through the complete review to know more about the indusind credit card benefits.

How does the indusind credit card eligibility work?

  • Resident Type: Indian. 
  • IndusInd bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs.25,000 monthly. 
  • IndusInd bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs.25,000 monthly. 
  • A CIBIL score of 670+ is needed to apply for this indusind bank credit card.

What documents are required for an indusind bank 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

What are the Indusind bank gold credit card fees?

  • IndusInd bank credit card joining fees: None.
  • IndusInd bank credit card annual fee: None.

What are the indusind bank credit card benefits?

  • Make every transaction rewarding:

The Indusind gold rewards are offered like this.

Transaction category

IndusInd credit card rewards for every Rs.100 spent

Shop plan

Home Plan

Travel Plan

Party Plan

Departmental stores

4 points

2 points

Consumer durables and electronics

2 points


1.25 points

4 points


1.25 points


4 points

Cell phone and electricity bills

2.5 points

Insurance Premium and medical expenses

1.5 points

Hotel booking

4 points

Flight tickets

2.5 points

Car rental and railway tickets

1.5 points

Bars and pubs

2 points

Movie tickets

1.5 points

All other expenses

0.5 points

0.5 points

0.5 points

0.5 points

You can redeem your rewards from the indusind bank gold credit card reward points redemption catalog.

  • Instant indusind credit card payment options:

You can pay your indusind credit card bill online from your indusind credit card net 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 visa gold card comes with 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 credit card call centre number and you will no longer be liable for anything bad that may happen to your missing card.

What are the indusind credit card charges?


Chargeable amount

Indusind bank atm withdrawal charge

2.5% against the amount, min Rs.300 (check your available gold 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 bank credit card balance is not cleared in time)

Indusind credit card international transaction fee

3.5% against the transacted amount

Add on card fee


How to contact the indusind bank credit card 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 email id:

100xGain Ratings: 


Pros and cons of the Indusind visa gold card:

Pros Cons
  • The indusind credit card rewards scheme is quite impressive.
  • It is an indusind lifetime free credit card.
  • There are no dining or entertainment benefits on this indusind bank card.
  • There are no fuel surcharge waivers on this gold visa card.

Final Opinion:

Those who love to earn reward points, would find this Indusind gold credit card very helpful, especially because of its unique rewards scheme that has the ability to fit every lifestyle.

But you can’t get this card anymore since Indusind Bank has completely discontinued this card. Therefore if you are looking for some similar rewards credit cards then make sure to take a look at the alternative card options given below.

Alternative cards: 

  1. Bandhan Bank Standard Chartered Plus Credit Card (Best for reward points) 
  2. IDBI Bank Aspire Platinum Credit Card (Best for reward points)
  3. RBL Doctor’s SuperCard (Best for lounge and reward benefits) 
  4. UBI Classic Credit Card (Best for reward points) 

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