IndusInd Bank Credit Card Interest Rate

By providing a selection of IndusInd credit cards for lifestyle, travel, and other purposes, IndusInd Bank effectively responds to its customers' various demands and ambitions. 

IndusInd bank credit card interest rates vary by credit card and are immediately added to the account holder's monthly credit card statement under 'Due Amount.' To avoid penalties, the account holder must pay the IndusInd bank credit card interest rate in full. IndusInd Bank charges interest on unpaid balances. Here is everything you need to know about IndusInd Bank Credit Card and interest rates.

Features and Benefits of the IndusInd Bank Credit Cards

Here are the significant features-

IndusInd Bank Credit Card

indusind-bank1 (1).png

Rewards

You can get reward points every time you use your credit card and earn bonus reward points when you reach milestone spending

Non-expiring Reward Points

The reward points earned on the IndusInd Bank card do not have an expiry date. You can redeem them whenever you want or convert them for cash

Fuel Surcharge Waiver

You get a waiver on the fuel surcharge at all petrol pumps across India

Airport Lounge Access

You can avail of complimentary airport lounge access across various domestic and international airports

Cashbacks

You can earn multiple cashback on your spends made through the card

Top IndusInd Bank Credit Cards Interest Rate

Here are some of the interest on IndusInd Bank credit card-

Credit Card Name

Best Feature

IndusInd Bank Card Interest Rate

Annual Charges

IndusInd EazyDiner Credit Card

Dining and Shopping

3.83% per month (46% p.a.)

Rs 1999

IndusInd Nexxt Credit Card

Travel Insurance and Entertainment

Rs 3499

IndusInd Indulge Credit Card

Dining, Golf, Lifestyle

Rs 2 Lacs

IndusInd Pinnacle Credit Card

Travel and Lifestyle

Rs 12,999

IndusInd Legend Credit Card

Shopping and Dining

Rs 9999

IndusInd Platinum Aura Edge Credit Card

Travel and Lifestyle

Rs 500

How to Apply for IndusInd Bank Credit Card

  1. Visit the IndusInd Bank official website and navigate to the 'Credit Cards section.
  2. Enter your personal and contact information.
  3. Following the verification, a bank representative will contact you and ask to walk you through the procedure.
  4. To obtain a credit card from IndusInd Bank, you may be required to submit KYC documentation as well as evidence of income.

You could also apply for a credit card at a nearby IndusInd Bank branch.

Eligibility Criteria to Apply for IndusInd Bank Credit Card

A few of the most common eligibility requirements are given below.

Age

18-75 years

Income

Net monthly income should be at least Rs 20,000

Occupation

All Salaried and Self-Employed individuals can apply

Documents Required for Application

  • Identity Proof such as PAN Card, Aadhar card, Driving License, etc
  • Address Proof

How to Redeem IndusInd Bank Credit Card Reward Points

Here’s how you can redeem your IndusInd Bank Credit Card Reward Points-

Step 1: Visit the official website and choose your credit card type.

Step 2: Log in to your credit card account.

Step 3: Next, select ‘Redeem’ and browse through the categories to choose the gift of your choice.

Step 4: Add the chosen products/vouchers to your cart and proceed to checkout.

Step 5: Fill out your credit card details to complete the transaction.

When is the Interest Rate Charged on the Credit Card of IndusInd Bank?

Credit card interest is charged not only for failure to pay the complete due amount by the due date but also for other activities and transactions.

Here are a few examples-

  • Carrying a portion of the total outstanding amount onto the following billing cycle if you have only paid the minimum due amount.
  • In the event that you used your credit card to withdraw cash.
  • If you do not pay the minimum balance amount by the due date, you will be charged a late penalty as well as extra fees.
  • When you use your credit card abroad, your bank may levy additional fees or charge you in foreign currency.

IndusInd Bank Credit Card Interest-Free Period

The interest-free term on the IndusInd Bank Credit Card is up to 50 days. If the complete amount owing is not paid in full, the interest-free period will not apply. During this time, no finance fee or interest rate will be charged to the outstanding balance.

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