What is the annual fee for the IndusInd Bank Indulge?

The IndusInd Bank Indulge is a lifetime-free credit card with no joining or annual fee.

Does the IndusInd Bank Indulge offer airport lounge access?

Yes — the IndusInd Bank Indulge offers 6 domestic per quarter lounge visits, unlimited international lounge visits.

What rewards does the IndusInd Bank Indulge earn?

It earns 1.5% on eligible spends as Reward Points.

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Indulge — IndusInd Bank Credit Card | Card Manager

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IndusInd

World Elite

•••• •••• •••• 0000

Indulge

VISA

Indulge

IndusInd Bank • Visa• Super Premium

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Annual Fee

Free

Base Reward Rate

1.50%

Foreign Tx Fee

1.8%

Tier

Super Premium

Joining Fee

₹2,00,000

Verified

2026-05-25

Airport Lounge Access

Domestic & international access details and eligibility criteria

domestic—

6 per quartermedium

✓ No activation spend required — access is unconditional.

6/qtr Visa.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹300

Dining₹5,000/mo

+₹75

Grocery₹8,000/mo

+₹120

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹75

Online Shopping₹8,000/mo

+₹120

Utilities₹3,000/mo

+₹45

Annual earnings

₹8,820

Blended 1.41% effective return

Monthly spend₹52,000

Monthly earnings+₹735

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

₹2.5 crore air accident. No preset spending limit.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.50–₹1 depending on redemption (cashback → flights/transfer).
value range
1.5% base reward rate on all eligible spends. 1 pt/₹100 weekdays, 2 pts weekends.
1.50%medium

Forex

1.8% forex markup on international card transactions
1.8%

Priority Pass

Membership incl.

Unlimitedmedium

✓ No activation spend required — access is unconditional.

Unlimited PP.

Travel

domestic via direct: 6 per quarter — no spend needed
6/quartermedium
international via Priority Pass: Unlimited — no spend needed
Unlimitedmedium
Lifetime free card — ₹0 joining, ₹0 annual, ₹0 renewal.
₹0 forever

Payments

Joining fee: ₹2,00,000. Annual: Free.
Lifetime free
Annual fee waived on spending ₹20,00,000 per year.
Spend ₹20,00,000