IndusInd Bank Indulged Credit Card Review

IndusInd Bank Indulged Credit Card is one of the premium credit cards offered by IndusInd Bank. This Card is specially designed for those customers who want a premium credit card for their daily uses. It offers some exclusive benefits like reward benefit, airport lounge access, benefits on golf, travel insurance coverage, and lots more. Let’s go deeper and discuss its benefits in detail.  

IndusInd Bank Indulged Credit Card Review

Eligibility Criteria:

  • Resident Type: Indian.  
  • For salaried person:
    • Age: 18 to 60 yrs. 
    • Income: ₹48 lakh annually. 
  • For self-employed person:
    • Age: 18 to 60 yrs. 
    • Income: ₹60 lakh annually. 
  • 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. 

Fee:

  • Joining Fee: ₹2,00,000 + GST
  • Annual Fee: None. 

Benefits:

  • Welcome benefit:

If a customer chooses Indusind Bank Indulged credit card, there is a welcome gift for him. He will be able to get a discount on flight bookings, hotel bookings, etc. Even he can get a cent percent discount on flight tickets.

  • Reward benefit:

With every ₹100 transactions made with this card, you will get 1.5 reward points.

1 reward point is equal to ₹1

  • Lounge access:

With this card you will get a complimentary Priority Pass membership, it gives you access to above 600 airport lounges in the world. You will get a maximum of 2 visits per quarter. 

  • Movie benefit:

When you book a movie ticket from BookMyShow you will get another ticket completely free. You can avail of these offers 3 times a month. The maximum ticket value should be ₹200.  

  • Golf benefit:

You will get an exclusive discount when you use this card in golf clubs. Offer applicable in India, Singapore, and Thailand. 

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges at any fuel station in India. The transaction amount should be between ₹400 to ₹4000.  

  • Insurance Coverage:

This card comes with personal air accidental coverage of ₹2.5 Cr. You will also get coverage against lost or delayed luggage, and loss of travel documents. 

  • Add on Card:

You can share the benefits of your card with your loved ones, just add them with your card as add-on members and they can enjoy the benefits of having a credit card. The add-on member must be 18 years old.

  • Concierge Service:

This card comes with an always active and helpful concierge service. You can get assistance from them for flight booking, hotel and dining reservations, etc. 

Charges:

  • Cash Withdrawal Charge: 2.5% against the withdrawn amount, min ₹300. 
  • Finance Charge: 1.79% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1860 267 7777

Mail: [email protected] 

100xGain Ratings: 6/10

Final Opinion:

This card is suitable for those who want a no annual fee credit card with some premium benefits, it offers free access to airport lounges, exclusive discount on golf, a world-class concierge service, benefits on movies, fuel surcharge waiver, and lots more. 

But the main and the biggest drawback of the card is its high annual fee, which reduces people’s interest in this card. So if you want a premium credit card to improve your lifestyle, then I would recommend you to go for HDFC Diners Club Black Card, and if you are looking for a low-cost credit card then you can go for Axis Bank Select Credit Card. Both cards offer awesome benefits to their users. 

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