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Features of IndusInd Bank Select Credit Card

  • Reward Points Program:
    The IndusInd Bank Select Credit Card offers a robust rewards program. Earn 1 reward point for every ₹150 spent on all transactions. The reward points never expire, allowing flexible accumulation and redemption. Points can be redeemed for cash credit, vouchers, merchandise on the IndusMoments platform, or air miles with partners like InterMiles or Krisflyer.
  • Accelerated Rewards & Versatility:
    Cardholders can earn accelerated reward points on specific merchant categories or during promotional periods, as specified by the bank. This ensures the card remains valuable for diverse spending habits, whether for groceries, dining, travel, or lifestyle purchases.
  • Exclusive Privileges & Benefits:
    Designed as a premium card, it caters to lifestyle, travel, and financial benefits, providing exclusive privileges to cardholders. The card enhances convenience and offers a rewarding experience tailored for urban professionals and frequent travelers.
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    • Contactless Payment Technology: The card comes equipped with contactless payment technology, enabling fast, secure, and convenient transactions at merchant locations that accept contactless payments. By simply tapping the card at a point-of-sale (POS) terminal, cardholders can complete transactions in seconds, reducing the need for physical card swiping or PIN entry for smaller amounts. This feature is particularly useful in today’s fast-paced world, where convenience and speed are paramount. The contactless feature adheres to high-security standards, ensuring that transactions are protected against unauthorized use. This technology is especially beneficial for small, frequent transactions, such as buying coffee, groceries, or public transport tickets. The card’s chip-based design enhances security by generating a unique transaction code for each tap, minimizing the risk of fraud. For tech-savvy users, this feature aligns with modern payment trends, offering a seamless and efficient payment experience.
    • Fuel Surcharge Waiver: Get 1% waiver on fuel transactions between ₹400-₹4,000 at all Indian petrol pumps, capped at ₹100-250 per billing cycle depending on variant.
    • Add-On Cards: Get up to 5 add-on cards for family members at no extra cost, with same benefits including reward points and insurance coverage.
    • Lifetime Free Option: Select variants (especially RuPay) have no joining or annual fees, making it cost-effective for long-term use.
    • UPI Integration (RuPay Variant): The IndusInd Bank Platinum RuPay Credit Card stands out with its seamless integration with UPI platforms like BHIM, PhonePe, Paytm, and Google Pay. This allows cardholders to make digital payments without carrying the physical card, combining the convenience of UPI with credit card benefits. The process to link the card to UPI is straightforward: Open a UPI app. Select “Add Credit Card/Link Credit Card.” Choose IndusInd Bank as the issuer. Select the Platinum RuPay Credit Card. Generate a UPI PIN using an OTP. This feature caters to the growing preference for digital payments in India, making the card versatile for both online and offline transactions.
    • Add-On Card Facility:The card supports up to five add-on cards for family members, who enjoy the same privileges as the primary cardholder, including access to the Total Protect program. Add-on cards are typically offered free of charge, with no additional annual fee, making this a cost-effective way to extend benefits to family members.
    • Concierge Services: The Platinum Visa variant includes 24/7 Platinum Concierge services, assisting with: Pre-trip planning. Hotel and flight bookings. Sports and entertainment reservations. Exclusive event bookings (e.g., workshops, seminars). Flower and gift delivery worldwide. This feature enhances the card’s appeal for those seeking personalized assistance for travel and lifestyle needs.
    • Lifetime Free Option: The IndusInd Bank Platinum Credit Card is available as a lifetime free card for certain variants (e.g., RuPay and select Visa/MasterCard options), meaning no joining or annual fees. However, some variants may have a joining fee of INR 3,000 (with no annual fee thereafter). This cost structure makes the card accessible to a broader audience, particularly those looking to avoid recurring fees.
    • Flexible Redemption Options: The card’s reward points can be redeemed across multiple categories, including: Merchandise and Vouchers: Brands like JioMart, Zepto, Clovia, Wakefit, Amazon, Flipkart, and more. Travel: Air miles conversion for KrisFlyer, InterMiles, or Club Vistara. Cash Credit: Offset outstanding balances. Hotel Reservations: Vouchers for luxury hotels like The Postcard Hotels. The flexibility of redemption options ensures cardholders can tailor rewards to their preferences, whether for travel, shopping, or bill payments.
    • Security Features: The card includes advanced security measures: Verified by Visa/MasterCard SecureCode: Ensures safe online transactions. EMV Chip Technology: Protects against skimming and fraud. Contactless Payment Security: Encrypted transactions for tap-and-pay purchases. These features provide cardholders with confidence in using the card across various platforms.
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Benefits of IndusInd Bank Select Credit Card

  • 1. Rewards & Lifestyle:
    • Reward Points: Earn up to 2% reward rate on UPI transactions (RuPay variant) and redeem flexibly for cash, vouchers, or air miles.
    • Welcome Gifts: Luxe Gift Card and premium brand vouchers worth thousands for paid variants.
    • Concierge Services: 24/7 assistance for travel, dining, and entertainment bookings (Visa variant).
  • 2. Financial Advantages:
    • Fuel Savings: 1% surcharge waiver on fuel purchases at Indian petrol pumps.
    • No Annual Fee: Lifetime free variants eliminate recurring costs.
    • UPI Convenience: RuPay variant integrates with popular UPI apps for seamless digital payments.
    • Enhanced Travel Experiences: Whether traveling for business or leisure, cardholders can relax in comfort with amenities like complimentary food, beverages, Wi-Fi, and business facilities.
    • Entertainment and Dining Perks: The Buy One Get One movie ticket offer through BookMyShow, with savings of up to ₹200 per month, is a delightful benefit for entertainment enthusiasts.
    • Welcome Gift Vouchers: New cardholders receive welcome gift vouchers from brands like MakeMyTrip or Satya Paul, adding immediate value upon card activation.
    • Financial Flexibility with EMI: The Indus Easy EMI facility allows cardholders to convert high-value purchases into affordable monthly installments, providing financial flexibility.
    • Security and Fraud Protection: The Total Protect program is a significant benefit, offering coverage up to the card’s credit limit for unauthorized transactions due to loss or theft.
    • Concierge Services for Convenience: The 24/7 concierge services provide personalized assistance for travel, dining, and lifestyle needs, adding significant value for busy professionals and frequent travelers.
    • Lifestyle Enhancement: The IndusInd Bank Select Credit Card is designed to elevate the cardholder’s lifestyle through a combination of rewards, discounts, and exclusive privileges.

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How to Apply for IndusInd Bank Select Credit Card

  • Online Application: Visit IndusInd website → Credit Cards → Platinum → Apply Now.
  • Check Eligibility: Enter PAN, mobile number, and other details to check pre-approved offers.
  • Digital Process: Complete 100% digital application with Video KYC (no branch visit required).
  • Document Upload: Submit scanned copies of PAN, Aadhaar, address proof, and income documents (ITR/salary slips).
  • Verification: Respond to verification calls from the bank within 48 hours.
  • Alternate Application Methods:
    • Branch Application: Visit any IndusInd branch, meet Relationship Manager, submit physical documents.
    • Third-Party Platforms: Apply via BankBazaar, Bajaj Finserv Markets, or other aggregators.
  • Tips for Smooth Application:
    • Ensure your credit score is 700+ before applying.
    • Have all required documents ready in digital format for online applications.

Eligibility Criteria for IndusInd Bank Select Credit Card

  • 1. Age Requirements
    • Primary Cardholder: 18-65 years
    • Add-on Cardholder: Minimum 18 years
  • 2. Income Requirements
    • Minimum Annual Income: ₹2.4 lakh (₹20,000/month)
    • Higher income may be required for certain variants
  • 3. Credit Profile
    • CIBIL Score: 700+ preferred
    • Clean credit history with no defaults
  • 4. Employment Status
    • Salaried or self-employed with stable income
    • 1+ years employment/business history preferred
  • 5. KYC Compliance
    • Mandatory submission of PAN, Aadhaar, and proof of address
    • KYC documents must be valid and up to date
  • 6. Contactability
    • Must have a valid mobile number and email ID
    • Current residence should be within a serviceable PIN code area
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Documents Required for IndusInd Bank Select Credit Card

  • 1. Identity Proof (Any One):

    To establish your identity and nationality, you must submit a valid identity proof. Acceptable documents include:

    • Aadhaar Card: Preferred due to its widespread acceptance and linkage to biometric data.
    • Passport: A government-issued document that verifies both identity and nationality.
    • Voter ID: Issued by the Election Commission of India, confirming your identity.
    • Driving License: A valid license issued by the RTO, serving as both identity and address proof.
    • PAN Card: Mandatory for financial transactions and tax purposes.
  • 2. Address Proof (Any One):

    To verify your residential address, submit one of the following documents:

    • Aadhaar Card: If the current address matches the one on your Aadhaar, it serves as both identity and address proof.
    • Utility Bills: Recent electricity, gas, or telephone bills (not older than 3 months) in your name.
    • Passport: If it lists your current address.
    • Voter ID: If it includes your current address.
    • Rental Agreement: A registered agreement for rented properties, accompanied by a utility bill.
    • Bank Statement: A recent statement with your address, stamped by the bank.
  • 3. Income Proof:
    • Salaried Individuals:
      • Last 3-6 months’ salary slips showing consistent income.
      • Form 16 from your employer, verifying tax deductions.
      • 6 months’ bank statement reflecting salary credits.
    • Self-Employed:
      • ITR for the last 1-2 years, including computation of income.
      • Profit and loss statements or balance sheets.
      • Business registration documents.
      • 6 months’ business bank statements.
  • 4. PAN Card:

    A PAN card is mandatory for all credit card applications, as it links your financial transactions to your tax profile. Ensure the PAN card is valid and matches the details in your application form. The bank uses the PAN to verify your financial history and tax compliance.

  • 5. Photograph:

    A recent passport-size photograph is required to complete the application. The photograph should be clear, with a plain background, and meet the bank’s specifications (typically 35mm x 45mm). Some online applications allow digital uploads, while offline applications require physical copies.

Factors Affecting Eligibility for the IndusInd Bank Select Credit Card

  • 1. Credit Score: A score above 750 is ideal. Scores below 700 or recent defaults (within the last 2 years) reduce chances of approval. Maintain a low credit utilization ratio and avoid multiple credit inquiries.
  • 2. Income Stability: A stable monthly income (minimum ₹20,000 for basic variants) is crucial. Salaried applicants require 6 months of payslips, while self-employed individuals need 2+ years of ITRs. Inconsistent income (e.g., commission-based) may raise concerns.
  • 3. Employment History: Salaried individuals with 6–12 months in the same job are preferred. Frequent job changes or gaps in employment can hurt your application. Self-employed applicants should show long-term business stability via ITRs or GST filings.
  • 4. Debt-to-Income Ratio (DTI): A DTI below 40% is ideal. High monthly EMIs (home/car/personal loans) reduce disposable income and creditworthiness. Try to repay existing debts before applying.
  • 5. Credit Utilization Ratio (CUR): Maintain a CUR below 30%. High usage (above 50%) on existing cards indicates financial stress and may impact approval. Repay dues in full and consider increasing existing credit limits to reduce CUR.
  • 6. Number of Credit Inquiries: Avoid applying for multiple loans or cards within a short time. Each application causes a hard inquiry, potentially lowering your credit score. Maintain a 3–6 month gap between applications.
  • 7. Card Portfolio: Holding more than 4 credit cards may trigger the bank’s internal exposure limits, leading to rejection unless older cards are closed.
  • 8. Employer Profile: Applicants from MNCs or listed companies are favored. If you work in a lesser-known organization, a higher income or strong banking history may be needed to compensate.
  • 9. Banking History with IndusInd: Existing customers (6+ months) with savings accounts, FDs, or loans have an advantage. Pre-approved offers may also be available to long-term account holders.
  • 10. Address Stability: Frequent address changes or discrepancies between KYC address and current residence can delay or disqualify your application. Ensure consistency in documents.
  • 11. Age and Residency: Applicants must be between 18–70 years and Indian residents. Those near retirement age or very young (18–21) may need additional documents or a guarantor.
  • 12. PAN & Aadhaar Linking: Your PAN must be linked to Aadhaar and verified in the Income Tax database. Failure to meet this can result in failed application verification.
  • Improve Your Credit Score: Pay bills on time, keep your credit utilization low, and avoid unnecessary inquiries.
  • Show Consistent Income: Provide clear proof of a stable income stream through salary slips or ITRs.
  • Limit Credit Applications: Avoid applying for multiple loans or cards simultaneously.
  • Build a Relationship with the Bank: Open a savings or FD account with IndusInd to improve trust and access pre-approved offers.

Frequently Asked Questions (FAQs)

1. What is the IndusInd Bank Platinum Select Credit Card?
The IndusInd Bank Platinum Select Credit Card is a premium credit card designed for individuals seeking lifestyle, travel, and financial benefits. It offers reward points, fuel surcharge waivers, airport lounge access, and comprehensive insurance coverage, making it suitable for frequent shoppers, travelers, and those looking for flexible payment options.
2. Who is this card best suited for?
This card is ideal for salaried or self-employed individuals with a minimum monthly income of ₹20,000, who frequently shop, travel, or dine out. It suits those who value rewards, lifestyle privileges, and global usability with a competitive foreign currency markup fee.
3. Is there an annual fee for the Platinum Select Credit Card?
The card typically has no annual fee for the first year, with subsequent years’ fees waived based on spending thresholds (e.g., ₹1,00,000 annually). However, exact fee details may vary, so check with IndusInd Bank at www.indusind.com or call 1860 267 7777 for confirmation.
4. Can I get add-on cards for family members?
Yes, you can apply for up to five add-on cards for family members (e.g., spouse, children, or parents). Add-on cards share the same benefits, including reward points, fuel surcharge waivers, and insurance coverage, at no additional cost.
5. How do I earn reward points with this card?
You earn 1 reward point for every ₹150 spent on eligible transactions, including online and offline purchases. Fuel transactions and certain categories (e.g., wallet loads) may not earn points. Check the bank’s terms for exclusions.
6. Do the reward points expire?
No, the reward points earned on the Platinum Select Credit Card never expire, allowing you to accumulate points over time for significant redemptions.
7. How can I redeem my reward points?
Points can be redeemed via the IndusMoments portal for options like:
Cash credit: 1 reward point = ₹0.40.
Vouchers/merchandise: 1 reward point = ₹0.60.
Air miles: E.g., 400 points = 100 KrisFlyer Miles.
Log in to the portal or contact customer care for redemption assistance.
8. Is there a limit to earning reward points?
There is no upper limit to earning reward points, provided transactions are eligible. Higher spending results in more points, enhancing redemption potential.
9. What is the fuel surcharge waiver benefit?
The card offers a 1% fuel surcharge waiver (up to ₹100 per billing cycle) on transactions between ₹400 and ₹4,000 at any petrol pump in India. The waiver is automatically applied at the point of sale.
10. How does the airport lounge access work?
Cardholders get access to 600+ VIP airport lounges worldwide through the card’s travel insurance program or associated benefits. Present the card at participating lounges for complimentary entry, subject to terms (e.g., limited visits per quarter).
11. What welcome benefits are offered?
Upon card approval, you receive gift vouchers from brands like EazyDiner (for dining), MakeMyTrip (for travel), and Satya Paul (for fashion). Exact voucher values and terms are provided at card issuance.
12. What insurance coverage is included?
The card offers comprehensive travel insurance, including:
Air accident cover: Up to ₹25 lakh.
Lost baggage and flight delay protection.
Coverage extends to add-on cardholders. Contact the bank for detailed terms.
13. Can I convert purchases into EMIs?
Yes, through Indus Easy EMI, purchases above ₹2,000 can be converted into EMIs with flexible tenures. You can also use Pay by Rewards to offset transaction costs with points at select merchants.
14. Is the card accepted internationally?
Yes, the card is powered by Visa and accepted at millions of merchants and ATMs worldwide. It has a 1.8% foreign currency markup fee, which is competitive for international transactions.
15. How can I apply for the Platinum Select Credit Card?
You can apply:
Online: Via www.indusind.com by filling the application form, verifying OTP, and uploading documents.
Third-party platforms: Through sites like Paisabazaar.com or BankBazaar.com.
Offline: At an IndusInd Bank branch by submitting a physical form and documents.

List of IndusInd Bank Select Credit Card Branches in Karnataka

  • Bangalore - RK Hegde Nagar
  • Bangalore - Rajajinagar
  • Karnataka - Ramanagara
  • Karnataka - Ranebennur (Haveri Dist.)
  • Bangalore - RT Nagar
  • Karnataka - Sakaleshpura
  • Bangalore - Sarjapur Road
  • Bangalore - Seshadripuram
  • Bangalore - Shivajinagar
  • Bangalore - Sir M Visvesvaraya Co-op Bank (Various Locations)
  • Bangalore - Sree Banashankari Mahila Co-op Bank (Various Locations)
  • Bangalore - Sree Charan Bank (Various Locations)
  • Bangalore - Sreenidhi Souh Bank (Various Locations)
  • Bangalore - Sudhamanagara Branch
  • Bangalore - Sultanpet
  • Bangalore - Suvarna Co-op Bank Ltd (Various Locations)
  • Bangalore - T Dasarahalli
  • Karnataka - Thirthahalli
  • Karnataka - Tumkur (Tumakuru)
  • Karnataka - Udupi