IndusInd Bank Indulge Credit Card Review
The IndusInd Bank Indulge is one of India’s most exclusive cards — a metal card with a 22-karat gold inlay, no preset spending limit, and a heavily travel-and-lifestyle-led benefit set for high-net-worth users. Here is the verified review.
- 22K gold-inlay metal card; no preset limit
- 4 international lounge visits per quarter (Priority Pass)
- Generous golf (4 games + 4 lessons/month from Mar 2026)
- 1 RP = ₹1 cash credit; KrisFlyer transfers
- Low 1.8% forex markup
- Movie & dining privileges
- High ₹10,000 annual fee
- High income bar (₹36L salaried / ₹42L self-employed)
- 1.5 RP/₹100 base earn is modest for the tier
- IndusInd air-accident cover discontinued (Dec 2025)
- Value is access-led, not reward-rate-led
Fees & benefits
| Item | Detail |
|---|---|
| Annual fee | ₹10,000 |
| Card | Metal with 22K gold inlay; no preset limit |
| Rewards | 1.5 RP per ₹100 (1 RP = ₹1 cash credit) |
| Lounge | 4 international/quarter (Priority Pass) |
| Golf | 4 games + 4 lessons/month (from 10 Mar 2026) |
| Forex markup | 1.8% |
Eligibility & documents
Income (salaried)
₹36 lakh+ annual
Income (self-employed)
₹42 lakh+ annual
Point value
1 RP = ₹1 cash credit
Network
Visa
Best for
HNI travellers
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: high-net-worth travellers who value international lounges, golf and a statement metal card.
- Skip if: you want a high reward rate or don’t meet the income bar.
How to apply & how to cancel
Apply: via indusind.bank.in. Cancel: call IndusInd customer care after clearing dues; redeem/transfer points first.
Final verdict
The IndusInd Indulge is a true statement card — gold-inlay metal, no preset limit, abundant international lounges and golf, and a low forex markup. Its value is in lifestyle access rather than reward rate, so it suits HNI travellers who’ll use the privileges; for pure rewards, look elsewhere.
Frequently asked questions
What makes the Indulge special?
It’s a metal card with a 22K gold inlay and no preset spending limit, aimed at high-net-worth users.
What is the fee?
₹10,000 annually, with an income requirement of ₹36 lakh (salaried) or ₹42 lakh (self-employed).
How much lounge access?
4 international lounge visits per quarter through Priority Pass.
What’s the forex markup?
A low 1.8% on international transactions.
Data current as of June 2026, cross-checked against IndusInd Bank and aggregators. Benefits change periodically — confirm on indusind.bank.in before applying.