Not available via the quiz
No longer accepting new applications.
IndusInd Bank Duo Card
IndusInd Bank
₹249
Joining fee
Free
Annual fee
2%
Forex markup
3.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
The dual debit-cum-credit design structurally requires holding (or opening) an IndusInd Bank savings/current account, since the debit function draws on a linked account — not a stated eligibility policy, just a structural requirement.
Sources disagree: Paisabazaar states Nil/Nil fees, conflicting with the official ₹249+taxes issuance fee — Paisabazaar's own page carries a disclaimer that the card isn't available on their platform, so the official figure is treated as authoritative.
Lounge access
0 domestic / 0 international visits per year
Official page makes no mention of lounge access at all. Paisabazaar's 'unlimited free lounge access' claim is the same PB Pass promotional-artifact pattern seen on EazyDiner, Jio-BP, and CRED RuPay — not a genuine benefit, especially given the page's own 'not available on Paisabazaar' disclaimer.
Key features
- Historical reference only — discontinued
- India's first debit-cum-credit card: one physical card, two EMV chips, two magnetic stripes
- Two upgraded fee-plan tiers existed: Duo Plus (₹1,500 joining) and Duo Premier (₹3,000 joining)
Reward details
Roughly 0.67 points per ₹100 implied by the official Value Table (not stated as a standalone headline rate)
Welcome bonus: Up to 550 bonus points for first transactions across shopping/e-commerce/banking activities (Paisabazaar)
Redemption
Ratio: ₹0.75/point (official Value Table implied)
- ₹3,000 worth of annual movie tickets (headline official stat).
- 1% fuel surcharge waiver on the credit-card side only — the debit-card side has no fuel surcharge, per government regulation.
- Insurance: lost card liability ₹3,00,000; air accident ₹25,00,000 (official) or ₹30,00,000 (Paisabazaar, disputed); personal accident ₹2,00,000; purchase protection ₹50,000.
- ATM limit ₹1,25,000/day; POS limit ₹2,00,000/day.
Real-world feedback
Not found — no independent forum/review discussion located.
Sources
- Official — confirms discontinued status, fee-plan tiers, forex markup, value table, insurance figures, transaction limits
- Aggregator — flagged: page's own disclaimer states the card isn't available on Paisabazaar; its lounge-access claim is a promotional artifact