IndusInd Bank
IndusInd Bank Remix is a lifestyle-focused credit card targeting entertainment enthusiasts and digital content consumers, offering accelerated reward points on movie tickets, concerts, sports events, and OTT platform subscriptions. In an era where Indian consumers spend increasingly on streaming services (Netflix, Amazon Prime, Disney+ Hotstar, etc.) and live entertainment, the Remix card addresses a growing spending category that few credit cards specifically reward. The 2% reward points on entertainment — covering BookMyShow movie tickets, concert and sports event bookings, and OTT subscription payments — is a unique proposition in the Indian credit card market. For a family spending ₹3,000 per month on movies and streaming services, this translates to ₹60 per month or ₹720 per year in reward points. The complimentary annual membership to 2 OTT platforms of choice (Netflix, Amazon Prime, Disney+ Hotstar, SonyLIV, ZEE5, or others) is a modern, relevant benefit that directly addresses how contemporary Indian households consume entertainment. This alone can be worth ₹3,000-₹15,000 per year depending on the platforms chosen. Four complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide meaningful travel benefits, while the 1% fuel surcharge waiver adds everyday savings for commuters. The card requires a minimum annual income of ₹3 lakhs and is available to individuals aged 21-55 years. The ₹1 lakh annual spending threshold for annual fee reversal is approximately ₹8,333 per month — achievable for most working professionals who also use the card for entertainment and dining. Source: IndusInd Bank official website, updated May 2026.
| Feature | Details |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
The IndusInd Bank Remix from IndusInd Bank is a an annual fee of ₹500 credit card aimed at Indian consumers who want a clear rewards-plus-lifestyle proposition without paying for an invite-only metal card.
Who should consider the IndusInd Bank Remix
Pick the IndusInd Bank Remix if you are a salaried professional earning ₹8 LPA or more, or a self-employed applicant with a stable ITR history of two years or longer, and you typically spend ₹40,000–₹80,000 a month on retail purchases. The card's reward structure works best when the majority of your monthly swipe volume is concentrated in accelerated categories such as dining, groceries, fuel, or travel booked through the issuer's portal. Frequent flyers who already pay for at least four domestic lounge visits a year will get the most out of the included lounge access, while shoppers who use UPI for most transactions should be aware that most banks still cap reward points on UPI spends at a lower rate.
Who should look elsewhere
If you are an early-career professional with under ₹5 LPA in declared income, prefer a lifetime-free starter card (such as an entry-level RuPay variant) and revisit the IndusInd Bank Remix after one full financial year of stable income. Travellers who redeem most of their points for international flights will likely find a dedicated travel card with milestone-based foreign-currency benefits more rewarding. Finally, if you regularly carry a balance from month to month, the IndusInd Bank Remix (and credit cards in general) are an expensive borrowing tool at industry-standard 36–42% annualised interest — a small personal loan is almost always cheaper for sustained debt.
How we picked it for our shortlist
Our editorial team only considers cards whose issuers are RBI-licensed and publish their schedule of charges in the public domain. We score the IndusInd Bank Remix on five axes — annual fee versus benefits, reward rate, lounge and travel benefits, customer service responsiveness, and digital experience (mobile app, controls, instant card freeze). When the issuer changes pricing, we re-test the card and update this page within seven working days. The full methodology lives in our editorial policy.
Bottom line
The IndusInd Bank Remix is a sensible mid-tier rewards card for someone who pays their statement in full every month and uses the welcome benefit, lounge access, and accelerated rewards with intention. If your spending profile does not match the card's reward map, a more focused card will always deliver better net value.
| Feature | IndusInd Bank RemixIndusInd Bank | American Express Membership RewardsAmerican Express | Axis Bank AtlasAxis Bank | HDFC Bank Diners Club BlackHDFC Bank |
|---|---|---|---|---|
| Issuer | IndusInd Bank | American Express | Axis Bank | HDFC Bank |
| Joining Fee | ₹500 | ₹2,500 | ₹2,500 | ₹2,500 |
| Annual Fee | ₹500 | ₹4,500 | ₹5,000 | ₹10,000 |
| Interest Rate | — | — | — | — |
| Reward Rate | [object Object]% | [object Object]% | [object Object]% | [object Object]% |
| Lounge Access | Yes | Yes | Yes | Yes |
| Rating | — | — | — | — |
Have these ready before you start the online application. Most issuers verify digitally through CKYC and video-KYC, so physical copies are rarely needed.
Review the eligibility criteria above and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.
If you spend ₹50,000/month on this card, EMI for ₹60,000 over 12 months ≈ ₹6,027.73/month at 36% p.a.
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