IndusInd Bank
IndusInd Bank iconNIQ Credit Card
Best for lifetime-free, rewards
Lifetime free · 2x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
Lifetime free
Reward rate
2x
Min. income
Not published
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹0.25 lakh/yr · CIBIL 650+
Reward cap
No explicit cap
Welcome benefit
Vouchers on milestones
Who is this for
- Fee-averse spender
- Rewards optimiser
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- 2.5% cash-advance fee
Issuer
Headquarters
Mumbai, Maharashtra
Established 1994
Website
www.indusind.comFees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹0 | Not waivable |
| Annual fee | ₹0 | Lifetime free |
| Late payment | ₹500 | Not waivable |
| Forex markup | Not published | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between Rs 400 and Rs 4,000 (max Rs 100/month) |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1 RP per ₹100 | No explicit cap | 1 RP = ₹0.25 |
Benefits
-
Domestic lounge access
Limited
-
International lounge access Highlight
None
-
Milestone benefits Highlight
Vouchers on milestones
-
Fuel surcharge waiver
1% waiver
Eligibility
- Age
- 18–65 years
- Min. income
- ₹25,000
- Min. credit score
- 650+
- Employment
- Salaried, self-employed, student
- Documents
- PAN, Aadhaar, income proof
IndusInd Bank iconNIQ Credit Card is a VISA credit card from IndusInd Bank. It is best suited for lifetime-free, rewards.
Fees and rewards
- Annual fee: Nil
- Joining fee: Nil
- Rewards: 1 reward point per ₹100
Eligibility
PAN, Aadhaar, income proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Apply for IndusInd Bank iconNIQ Credit Card
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