IndusInd Bank Credit Cards review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
IndusInd Bank Credit Cards suit business cardholders in India who want no running cost. The annual fee is INR 0 and the currency conversion fee is 0%, so a card used close to home costs little to hold, and points rewards give a reason to keep it in the wallet.
Key facts
- Best for
- Business cardholders in India who want no annual fee and points on spending.
- Annual fee
- ₹0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Points (Source, checked September 26, 2026)
- Rewards rate
- 2X rewards on UPI payments this festive season (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- IndusInd Bank Ltd (Source, checked September 26, 2026)
- Headquarters
- India (Source, checked September 26, 2026)
- Founded
- 1994 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Audience
- Business
- Official website
- indusind.com
Debit cards
- Monthly fee
- ₹0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Free ATM withdrawals
- ₹0 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Card network
- Local (Source, checked September 26, 2026)
- Legal entity
- IndusInd Bank Ltd (Source, checked September 26, 2026)
- Headquarters
- India (Source, checked September 26, 2026)
- Founded
- 1994 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
- Audience
- Business
Pros and cons
Pros
- Annual fee of INR 0 on the credit cards
- Currency conversion fee of 0% on the cards listed
- Rewards earn points, with 2X rewards on UPI payments this festive season advertised
- Support runs on phone and help centre
Cons
- Rewards are points rather than cash, with points
- The card runs on a local network, with local
- Reward promotion wording on 2X rewards on UPI payments this festive season is tied to a festive season
Who it suits
- Business owners and freelancers in India paying through UPI
- Anyone who wants a credit card held at no annual cost
- Points earners who spend on everyday payments rather than travel
Who should look elsewhere
- Travellers who need a wide international card network, where Wise fits better
- Anyone chasing cash back rather than points, where Varo Believe Secured Credit Card sits closer
- US spenders who want a US issued secured card, where Chime Card (Secured Visa Credit Card) is the closer match
Fees and FX
The credit cards carry an annual fee of INR 0, and the bank also lists a monthly fee of INR 0 on the account side. Spending abroad or converting currency costs 0% in conversion fees, and the free ATM withdrawal allowance is INR 0. For a card used mostly on domestic spending, that leaves the cost of holding the account close to nothing.
The company behind it
The card is issued by IndusInd Bank Ltd, which is based in India and has been trading since 1994. The cards run on a local network, with local, which matters for overseas use. Help comes through phone and help centre, so a cardholder can pick up the phone or use the help centre.
How IndusInd Bank Credit Cards compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 9.0
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 9.6
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.0
9.2 vs 8.0
Where IndusInd Bank Credit Cards is available
- Available
- India
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does IndusInd Bank Credit Cards cost to hold?+
The credit cards listed carry an annual fee of INR 0, and the bank also shows a monthly fee of INR 0 on the account. For a cardholder who clears the balance, that is close to a cost free hold, which is the main draw of the range.
Is there a fee for spending in another currency?+
Currency conversion runs at 0% on the cards listed here. The free ATM withdrawal allowance is INR 0, so most of the running cost for a card used at home is close to nil, and the conversion fee matters mostly when spending abroad.
What kind of rewards do these cards give?+
Rewards come as points, with points on the credit cards. The advertised offer is 2X rewards on UPI payments this festive season, so the reward is a points bonus on payments rather than cash back, which suits people who spend on everyday UPI transactions.
Who is the card range aimed at?+
The range is aimed at business users, with business as the stated audience. That makes it a reasonable fit for owners and freelancers who want a credit card in India without a yearly charge, rather than a card designed purely for personal rewards hunting.
Which network do the cards run on?+
The cards run on a local network, with local as the network. A local network works well for everyday spending in India, and it is a weaker fit for anyone who regularly pays in other countries and wants broad acceptance abroad.
How do you get help with the card?+
Support runs through phone and help centre, which covers phone and a help centre. Cardholders can call the bank when a payment or a rewards question needs an answer, or look it up in the help centre.
Who runs IndusInd Bank and where is it based?+
The card is issued by IndusInd Bank Ltd, which is headquartered in India with IN as its home country. The bank has been trading since 1994, so it is an established Indian bank rather than a newer entrant.
Sources
- en.wikipedia.org/wiki/IndusInd_Bank checked September 26, 2026
Backs: Founded
“Founded April 1994”
- indusind.com checked September 26, 2026
Backs: Audience, Headquarters, Legal entity, Monthly fee, Card network
“Business Cards - Convenient access to credit for your business expenses.”
- play.google.com/store/apps/details checked September 26, 2026
Backs: Free ATM withdrawals, Currency conversion fee
“Unlimited free cash withdrawals at IndusInd Bank ATMs”
- indusind.bank.in/in/en/personal/cards/credit-card.html checked September 26, 2026
Backs: Annual fee, Card kind, Features, Pricing model, Rewards rate, Rewards type, Support channels
“Platinum RuPay Credit Card Lifetime Free”
- indusind.bank.in/in/en/personal/cards/debit-card.html checked September 26, 2026
Backs: Card type
“Debit Cards: Apply for Debit/ATM Card Online in India| IndusInd Bank”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: APR.
IndusInd Bank Credit Cards
Business cardholders in India who want no annual fee and points on spending.