IndusInd Bank Iconia Amex Credit Card Review

IndusInd Bank, the new-generation Indian Bank is reputed for providing several useful credit cards. The indusind iconia Amex credit card comes from the Indusind Bank premium credit card segment. To make your everyday lifestyle much more premium this card packs some excellent benefits like free access to airport lounges, complimentary golf rounds, free movie tickets, a multilingual concierge service, and lots of other useful indusind bank credit card features. The card operates on the American Express network and it comes with a joining fee of Rs. 3499. More about indusind bank credit card details are discussed below. 

IndusInd Bank Credit Card Eligibility Criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 3,60,000 annually. 
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: The average income of the applicant should be Rs. 4,80,000 annually. 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 780) is needed to apply for this card. 

You can apply for indusind bank credit card via the online application portal. You can also apply offline by visiting your nearby IndusInd branchDuring the indusind bank credit card approval process you can track the status of your application from the indusind credit card status tracking portal. 

Documents Required To Apply For The Indusind Iconia Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

As per rbi guidelines on credit card issuers, all new indusind credit cards are delivered in an inactive state, and to start using them you need to activate them manually by generating a new credit card PIN. You can get some help about the indusind bank credit card pin generate process from the 100xGain FAQ page

IndusInd Bank Credit Card Fees:

  • IndusInd bank credit card joining fees: Rs. 3,499 + GST
  • IndusInd bank credit card annual charges: None. 

IndusInd Bank Iconia Amex Credit Card Benefits:

  • Huge welcome gift:

With the successful indusind bank atm pin generation, you will be welcomed with a pile of exclusive gift vouchers from some of the premium brands like Montblanc, The Postcard Hotel, Luxe Gift Card, Flipkart, Amazon, Zee5, Big Bazar, Apollo Pharmacy, Biba Online, Uber, Ola Cabs, Vero Moda, BATA, ALDO, William Penn, Titan, Pantaloons, Hidesign, Woodland, Charles and Keith, Louis Philipe, Hush Puppies, etc. 

  • Reward points on every transaction:

This indusind credit card offers reward points for every transaction you make using this card. The detail of the indusind credit card rewards points scheme is discussed in the table below. 

Category of transaction Reward points
For each Rs. 100 transactions made every weekend 2 reward points. 
For each Rs. 100 transactions made on rest of the weekdays 1.5 reward points. 

 You will not get any reward points for fuel purchases. You can redeem indusind credit card points for travel booking. You can also convert them into cash or use them to get a product from the indusind credit card reward points redemption catalog. You can check your monthly earned benefits from your monthly indusind bank credit card statement.

  • Free access to airport lounges:

Under the priority pass membership that comes along with this indusind bank lifetime free credit card , you will get complimentary access to over 600+ priority pass lounges worldwide. Also under the Travel Plus program, you will get a maximum of 8 free access per year to over 600+ premium airport lounges worldwide. 

  • Exclusive movie offers on indusind credit card:

If you book a movie ticket via BookMyShow using your indusind lifetime free credit card, you will get a Rs. 200 waivers on the second ticket. The indusind credit card movie offer is applicable on the tickets booked via BookMyShow. 

  • Free golf rounds:

Using this indusind premium credit card you can get free access to some of the premium golf courses in India. You will get a maximum of 1 free access per quarter. You can click here to book your free golf round. 

  • Fuel surcharge waiver:

If you use this indusind lifetime free credit card for fuel purchase, you will get a 1% waiver on fuel surcharges. You can save up to Rs. 80 per indusind credit card statement cycle. This indusind credit card offer is applicable at all the fuel stations in India. You can check your monthly earned benefits using the indusind credit card app.

  • A multilingual concierge service:

Indusind Bank offers a multilingual concierge service for its customers. You will get assistance like – travel booking, hotel reservation, golf reservation, gift delivery, etc. Call the indusind bank credit card number – 1860 267 7777 to book your concierge. 

  • Road-side auto assistance service:

With the auto assistance service, you can get assistance like – roadside auto repair, fuel supply, flat tire and battery service, Medical assistance, and accident management service. 

  • Insurance coverage protection:

This indusind bank credit card offers complimentary fraud liability coverage and an air accidental coverage of Rs. 25 lakh. To enjoy the benefits of the fraud liability coverage, you have to report the suspicious transaction as soon as you notice it. You can also block your card instantly by using the indusind credit card online banking account

  • Convenient induslnd credit card payment options:

You can make your indusind credit card bill payment online using your net banking account, or any credit card payment app. But if you don’t have access to the online indusind credit card payment options then you can pay indusind credit card bills via NEFT, cheque, or from your nearby ATM. 

  • Security of the advanced EMV chip:

This IndusInd bank amex credit card comes with the security of the advanced EMV chip. The chips use a very strong encryption method to store your data, which makes your card nearly impossible to copy. 

IndusInd Bank Credit Card Charges:

Particulars Payable amount
Indusind iconia credit card cash withdrawal charge For money withdrawal from credit card you will be charged 2.5% against the withdrawn amount (min Rs. 300)
Indusind bank american express credit card finance charges The applicable rate of interest on credit card dues is 3.83% monthly or 46% annually. 
Foreign currency conversion charge 3.5% against the transaction amount. 
IndusInd credit card add-on card fee Free for a lifetime.

IndusInd Credit Card Customer Care Contact Details:

  • Call the indusind credit card helpline number: 1860-267-7777 or 022-4406-6666 or 022-4220-7777 (Premium Customers)
  • Write to the indusind bank credit card customer care mail id: [email protected] 

100xGain Ratings:

8/10

Final Opinion:

As said before this is one of the premium credit cards from Indusind Bank. And like most other premium credit cards, it comes packed with some extraordinary benefits and privileges like free lounge access, complimentary golf rounds, discounts on movie tickets, insurance coverage, etc. and all the benefits come free of cost. 

So if you are looking for a low-cost premium credit card, then the IndusInd bank american express credit card will be a good option for you. But if you want to compare some more options then take a look at the 100xGain top 10 premium credit card page

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