IndusInd Bank Signature Visa Credit Card

IndusInd Bank

Travel points

₹50,000

Joining fee

Free

Annual fee

Official page notes welcome gifts are 'available at select fee points only,' implying multiple historical fee-plan tiers.

3.5%

Forex markup

3.5 / 5

Rating

Eligibility

Minimum income: ₹4,00,000/month

Estimated minimum CIBIL score: 650+

Estimated — not officially confirmed by the bank.

Age: 21–65

Officially confirmed: ITR requirement of ₹48 lakh/year (salaried) or ₹60 lakh/year (self-employed) — dramatically more specific and restrictive than the generic aggregator description.

Sources disagree: BankBazaar describes the card as still active with generic 18+/good-credit-score criteria, directly contradicted by the official page's explicit discontinuation disclaimer — treated as outdated.

Lounge access

8 domestic visits per year

Domestic: 2/quarter (CardInsider). International via Priority Pass plus a separate ~₹5,000 TravelPlus program (BankBazaar) offering up to 8 visits/year — same TravelPlus pattern seen on InterMiles Odyssey Amex.

Key features

Historical reference only — discontinued
Officially confirmed ₹48 LPA (salaried) / ₹60 LPA (self-employed) income requirement — among the highest income bars in the catalog
An unexplained ₹9,999 'Insurance Charge' appears on the official page, not addressed by the aggregator source

Reward details

1.5 Reward Points per ₹100 spent (official)

Category caps

Utilities, insurance: 0.75 points per ₹100 (CardInsider)

Redemption

Non-cash redemption (excl. air miles) = 1 RP = ₹0.75; cash redemption = 1 RP = ₹0.50 (official, effective 1 March 2024). Cash redemption capped 7,500 points/month.

Ratio: CardInsider states 1 RP = ₹1 cash or 1 InterMile/Club Vistara point — a higher redemption value than the official figures.

Excluded from rewards: fuel

Official 'Privileges': Priority Pass membership for self + partner (₹13,266/year illustrative value); free movie ticket 3x/month; Welcome Gift, Concierge, Auto Assistance, Total Protect, Oberoi Hotels welcome gift — 'available at select fee points only.'
'Visa Signature Blockbuster Weekend Offer': BOGO movie ticket Thu-Sun, capped ₹300/transaction.
Fuel surcharge waiver disputed: 2.5% (BankBazaar) vs 1% capped ₹400-4,000 (CardInsider) — both cannot be correct simultaneously.
1 complimentary golf game + lesson monthly at select cities.

Real-world feedback

Not found — no independent forum/review discussion beyond aggregator feature summaries.

Sources

Official — confirms discontinued status, income eligibility, rewards, privileges
Aggregator — fees, forex, lounge, rewards
Aggregator — flagged as outdated regarding discontinuation status

Check Eligibility