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IndusInd Bank Credit Cards review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

IndusInd Bank Credit Cards suits anyone who wants a credit card with no annual fee and points on everyday spending. The annual fee of INR 0 puts it top of the table on that measure. Running costs are thin, but the rewards rate is tied to a festive season offer rather than a standing rate.

Key facts

Best for
A credit card with no annual fee and points on spending.
Annual fee
₹0↗
Currency conversion fee
0%↗
Rewards type
Points↗
Rewards rate
2X rewards on UPI payments this festive season↗
Card kind
Credit↗
Legal entity
IndusInd Bank Ltd↗
Headquarters
India↗
Founded
1994↗
Support channels
Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Audience
Business
Official website
indusind.com

Debit cards

Monthly fee
₹0↗
Free ATM withdrawals
₹0↗
Card type
Debit↗
Card network
Local↗

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • The annual fee of INR 0 makes it a no annual fee card, the cheapest model on the credit card table.
  • The monthly fee of INR 0 adds nothing on top, so costs stay low.
  • Points are the reward type at points, with 2X rewards on UPI payments this festive season running on UPI payments this festive season.
  • Help is reachable by phone and help centre, including phone.

Cons

  • The card runs on a local network, local, so it is less useful outside its home market than a card on a global scheme.
  • The rewards headline at 2X rewards on UPI payments this festive season is tied to a festive season, so the points rate is not a standing earn rate.
  • Support reaches you through phone and help centre only, with no live chat or email.
IndusInd Bank Credit Cards

Ready to try IndusInd Bank Credit Cards?

Scored 9.1 / 10 by SumCue.

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Who it suits

  • People in its home market who pay with UPI and want points on top of a no annual fee credit card
  • Businesses looking for a card with no monthly fee, since the audience is business

Who should look elsewhere

  • Travellers who need a card on a global payment network, since the network is local
  • Anyone chasing a standing rewards rate, because the headline at 2X rewards on UPI payments this festive season runs this festive season only

Who runs it

IndusInd Bank Ltd is the legal entity, and it is headquartered in India. The bank was founded in 1994, so it has a long record in Indian banking. It issues both a credit card and a debit card. Help runs through phone and help centre, which means phone and a self service help centre rather than chat or email. Support is aimed at a business audience, listed as business.

How IndusInd Bank Credit Cards compares

Where IndusInd Bank Credit Cards is available

Available
India

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Is there an annual fee on this credit card?+

No. The annual fee is INR 0, and the bank lists the card under a no annual fee model. That puts it at the top of the annual fee ranking here. The card also carries a monthly fee of INR 0, so there is no regular charge to manage either.

What kind of rewards do I get?+

The rewards type is points, so you collect points rather than cashback or miles. The current headline is 2X rewards on UPI payments this festive season. Worth checking whether the offer still runs, since it is tied to a festive season rather than being a standing rate.

What does it cost to use the card abroad?+

The currency conversion fee is 0%, which is low against the credit card table. The catch is the network: the card runs on a local scheme, so it is designed for use in its home market rather than for trips abroad.

Who is this card aimed at?+

The audience is business, so the card is pitched at business customers as well as personal spending. It suits anyone who pays often by UPI and wants points for it. It suits people who want a credit card without a regular charge.

How do I get help if something goes wrong?+

Support runs on phone and help centre. That means you can call the bank or work through its help centre. There is no live chat or email channel listed, so keep the phone number to hand for anything urgent.

Is the card credit or debit?+

The credit card is listed as credit, and it works alongside a debit card from the same bank. If you want a card for day to day spending without borrowing, the debit card is the separate product.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR.

IndusInd Bank Credit Cards

IndusInd Bank Credit Cards

A credit card with no annual fee and points on spending.

9.1/10See alternatives