IndusInd Bank Signature Credit Card Review

Indusind Bank Signature Credit Card is a low-cost lifestyle credit card, it comes with a joining fee of ₹50,000 and afterward, it is free for a lifetime. This card offers several attractive benefits on Travel, Lifestyle, Entertainment, etc. This card also offers travel insurance coverage, concierge service, roadside assistance, etc. Let’s discuss its benefits in detail.  

Eligibility Criteria:

  • Resident Type: Indian.  
  • For salaried person:
    • Age: 21 to 65 yrs. 
    • Income: ₹48 lakh annually. 
  • For self-employed person:
    • Age: 21 to 65 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)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹50,000 + GST
  • Annual Fee: None. 


  • Welcome, Benefit:

With the payment of the joining fee will get some gift vouchers from Oberoi Group of Hotels, Jet Airways, Genesis Luxury, etc. you can choose one among them. And if you choose the Jet Airways voucher you will get a 100% discount on it.

  • Reward benefit:

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

  • Lounge access:

With your IndusInd Bank signature credit card, you will get lounge access to more than 600 places via the priority pass membership. 

  • Travel benefit:

When you book a domestic one-way flight ticket from Jet Airways, you will get a 100% discount on base fare. 

  • Movie benefit:

If you book a movie ticket from BookMyShow, you will get another completely free. You can avail a maximum of 3 movie tickets per month. 

From Sathyam Cinemas you will get 2 tickets at the price of 1 ticket. You can avail of 4 tickets in a month. 

This offer is only for the customers of Chennai.

  • Golf benefit:

There are some complimentary golf games and golf lessons available on this card. You can use the benefits in the leading golf clubs of Ahmedabad, Bengaluru, Chennai, Delhi, Hyderabad, etc.

  • Fuel surcharge waiver:

You will get a 1% fuel surcharge waiver if you spend at any petrol pump in India. You can save a maximum of ₹960 annually. 

  • Insurance coverage:

This card comes with air accidental coverage of ₹25 lakh coverage against air accidental death. You will also get coverage against loss and theft of your card. 

This card also offers ₹1,00,000 coverage against lost baggage, ₹50,000 coverage against lost passport, and ₹25,000 coverage against loss of ticket. 

  • Concierge service:

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

This card also offers an auto assist facility it provides you assistance for roadside repair, Battery service, emergency towing service, Accident management, and Medical assistance, etc. 


  • Cash Withdrawal Charge: 2.5% against the transaction amount. 
  • Finance Charge: 3.83% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1860-267-7777

Mail: [email protected]

100XGain Ratings:


Final Opinion:

This card is best for those who are looking for a zero annual fee premium credit card, although it comes with a joining fee of ₹50,000 which seemed to be very high, afterward it is free for a lifetime. 

But there are some major drawbacks with this card, there are no reward and dining benefits with this card, and the main aspect of this card is Lounge access and golf benefit, but there are several credit cards available in the Indian market that offers much better benefits in those categories at a relatively lower cost. For instance, you can go for Axis Bank Select Credit Card. and if you are ready to spend more, then you can go for HDFC Infinia Card

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