IndusInd Bank Indulge Credit Card
1.5 points/full ₹100 eligible spend and ₹1 cash credit/point on one capped claim. ₹75,000 joining and ₹10,000 recurring annual fee before tax; annual waiver not assumed.
Try your spend →How this estimate works
The issuer’s Indulge rewards terms list 1.5 points per full ₹100 eligible ordinary purchase and cash value of ₹1/point. The calculator repeats one entered ordinary purchase per month over 12 months. Product-specific terms impose a 500-point cash minimum and 10,000-point monthly redemption limit. The bank’s April 2025 update also limits each cash claim to 50% of points balance and charges ₹149+GST. This model assumes just one claim at year end, limited by half the modeled annual balance and monthly cap, and deducts one cash redemption fee. Leftover points may support later claims but are excluded from one-year usable cash. Current bank MITC lists ₹75,000 joining and ₹10,000 recurring annual fee with spending-based annual waiver; the calculator deducts the full recurring fee plus estimated GST, omits the sizeable joining charge, and does not assume a waiver. Fuel, utilities, insurance, government, education, rent and special merchant/payment routes are not scored because the issuer’s rate revision and payment coding need more context. Reward points earned beyond assigned credit limit per billing cycle are forfeited. Lounge, golf, concierge and other perks are excluded. Confirm personal fees and current eligibility before applying.
Issuer terms
Indulge product · Product-specific earn, ₹1 cash value, minimum and cap · April 2025 claim limit and fee · Special category revisions · Joining and recurring fee
Terms checked 30 September 2026. First-year joining charge is outside year-two ranking; fee waiver is not assumed.