IndusInd Signature Exclusive Card

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Features of IndusInd Bank Signature Exclusive Credit Card

Reward Points Program: The IndusInd Bank Signature Exclusive Credit Card offers 1.5 reward points for every ₹100 spent on most transactions, with 0.75 reward points per ₹100 on utility and insurance categories. Fuel transactions do not earn reward points. Points can be redeemed for travel vouchers, luxury merchandise, air miles, or cash credits (1 point = ₹1).
Complimentary Lounge Access: Enjoy access to premium airport lounges:
- Domestic: Cardholders receive 2 complimentary visits per quarter to participating domestic lounges.
- International: Complimentary Priority Pass membership provides access to over 1,000 airport lounges worldwide.
Travel Plus Program: For an enrollment fee of ₹5,000 per annum, cardholders get up to 8 lounge visits per year at international lounges and comprehensive travel insurance coverage including lost baggage, delayed baggage, and missed connections.

- Reward Points Program: Earn 1.5 reward points per ₹100 on most transactions and 0.75 points per ₹100 on utilities and insurance. No points on fuel transactions.
- Complimentary Lounge Access: 2 domestic lounge visits per quarter and Priority Pass membership for international lounge access.
- Entertainment Benefits: Buy One, Get One Free movie tickets via BookMyShow (3 free/month, max ₹300/ticket) and 4 complimentary tickets at Sathyam Cinemas in Chennai.
- Golf Privileges: 1 complimentary golf lesson per month at select courses in major cities.
- Fuel Surcharge Waiver: 1% waiver on transactions between ₹400-₹4,000 at all Indian fuel stations.
- Travel Insurance: Comprehensive coverage including ₹25 lakh air accident cover, ₹1 lakh lost baggage, and protection for missed connections.
- 24/7 Concierge: Personalized assistance for travel bookings, hotel reservations, and lifestyle needs worldwide.
- Welcome Gifts: Luxurious stay at Oberoi Hotels or vouchers from Genesis Luxury brands upon payment of joining fee.
- Contactless Payments: EMV chip-based contactless technology for secure and quick transactions.
- Auto Assist Services: Roadside assistance in major cities including towing, battery jumpstart, and flat tire support.
- Year-End Summary: Detailed spending analysis by category for better financial management.
- Premium Card Design: Elegant metal card design with exclusive branding.

Benefits of IndusInd Bank Signature Exclusive Credit Card

1. Travel & Lifestyle:
- Lounge Access: Enjoy 2 domestic lounge visits per quarter and Priority Pass membership for international travel comfort.
- Travel Insurance: Comprehensive coverage including ₹25 lakh air accident and ₹1 lakh lost baggage protection.
- Concierge Services: 24/7 assistance for travel planning, bookings, and destination information worldwide.
2. Financial Advantages:
- Reward Points: Earn up to 1.5% returns on spending with flexible redemption options.
- Fuel Surcharge Waiver: 1% savings on fuel purchases between ₹400-₹4,000 at all Indian fuel stations.
- No Annual Fee: After the one-time joining fee, enjoy the card's benefits without recurring charges.

- Entertainment Savings: The BOGO movie ticket offer (3 free/month) and complimentary Sathyam Cinemas tickets provide substantial savings for frequent movie-goers.
- Golf Benefits: Complimentary golf lessons at premium courses cater to affluent lifestyles, adding exclusive recreational value.
- Welcome Gifts: The Oberoi Hotel stay or Genesis Luxury vouchers offer immediate value, equivalent to a significant portion of the joining fee.
- Contactless Convenience: Secure and quick transactions with tap-and-pay technology at compatible terminals.
- Auto Assistance: Peace of mind with roadside assistance services in major Indian cities.
- Financial Management: Year-end spending summaries help with budgeting and tax planning.
- Global Acceptance: Wide acceptance at millions of merchants worldwide ensures usability for both domestic and international transactions.
- Exclusive Branding: Metal card design signifies premium status and exclusivity.

How to Apply for IndusInd Bank Signature Exclusive Credit Card

Online Application: Visit IndusInd Bank website → Credit Cards → Signature Exclusive → Apply Now.
Check Eligibility: Use the online eligibility checker tool to verify if you qualify.
Complete Application: Fill in personal, employment, and financial details accurately.
Document Upload: Submit scanned copies of PAN, Aadhaar, address proof, and income documents.
Verification: Respond to verification calls from the bank within 48 hours.
Approval & Delivery: If approved, receive your card within 5-7 working days.
Alternate Application Methods:

Branch Application: Visit any IndusInd Bank branch with required documents.
Third-Party Platforms: Apply through BankBazaar or IndiaLends for assistance.

Tips for Smooth Application:

Ensure your credit score is 750+ before applying
Have all documents ready in digital format for online submission

Eligibility Criteria for IndusInd Bank Signature Exclusive Credit Card

1. Income Requirements
- Minimum Annual Income: ₹12 lakh for salaried individuals
- ₹15 lakh for self-employed professionals/business owners
2. Credit Profile
- CIBIL Score: 750+ with no defaults in last 24 months
- Credit Utilization Ratio: Below 30% preferred
3. Age & Residency
- Primary Cardholder: 21-65 years
- Add-on Cardholder: Minimum 18 years
- Indian residents only (NRIs may apply under special consideration)
4. Employment Stability
- Salaried: Minimum 1 year with current employer
- Self-employed: Minimum 2 years in current business
5. Additional Factors
- Existing IndusInd customers with good repayment history preferred
- Professionals/entrepreneurs with high net worth given priority

Documents Required for IndusInd Bank Signature Exclusive Credit Card

1. Identity Proof (Any One):
- PAN Card: Mandatory for all applications
- Aadhaar Card: With masked first 8 digits
- Passport: Valid copy with clear personal details
- Driving License: Current address must match application
2. Address Proof (Any One):
- Aadhaar Card: If address differs from ID proof
- Utility Bill: Electricity/water/gas bill (not older than 3 months)
- Bank Statement: From another bank showing current address
3. Income Proof:
- Salaried Individuals:
  - Last 3 months salary slips
  - Form 16 or latest ITR
  - 6 months bank statement showing salary credits
- Self-Employed:
  - Last 2 years ITRs with profit/loss statements
  - 6 months business bank statements
4. Additional Documents:
- Passport-sized photograph (recent, white background)
- Add-on card applicant's ID proof (if applicable)

Factors for the IndusInd Bank Signature Exclusive Credit Card

1. Credit History: A CIBIL score below 750 or recent defaults (last 2 years) typically results in rejection despite meeting other criteria.
2. Income Stability: Fluctuating income requires stronger documentation (2+ years ITRs) versus stable salaries which may qualify with 3 months proof.
3. Existing Debt: High existing EMIs (home/car loans) reducing disposable income below ₹1 lakh/month can negatively impact approval chances.
4. Card Portfolio: Holding 4+ premium cards already may trigger bank's exposure limits, requiring closure of existing cards.
5. Spending Patterns: Low utilization (<10%) on existing cards may suggest insufficient need for another premium card.
6. Employer Profile: Salaried applicants from lesser-known companies may require higher income (₹15L+) versus ₹12L for MNC/listed company employees.
7. Documentation Gaps: Missing even one document (e.g., unsigned Form 16) can delay processing by 2-3 weeks.
8. Banking History: New IndusInd customers (<6 months) may face stricter evaluation versus long-standing clients.
9. Age Criteria: Applicants typically need to be between 25 and 60 years old to qualify, with exceptions handled on a case-by-case basis.
10. Residential Stability: Proof of stable residence (ownership or rental history for at least 1 year) strengthens eligibility and risk assessment.
11. Previous Relationship with Bank: Positive prior banking or loan repayment history with IndusInd Bank can boost chances of approval.

Frequently Asked Questions (FAQs)

1. What is the IndusInd Bank Signature Exclusive Credit Card?

The IndusInd Bank Signature Exclusive Credit Card is a premium credit card designed for individuals seeking luxury lifestyle privileges, travel benefits, and substantial rewards on spending. It offers exclusive access to airport lounges, concierge services, and premium entertainment benefits.

2. What are the key benefits of this card?

Key benefits include:

1.5 reward points per ₹100 spent
Complimentary domestic and international lounge access
Buy One, Get One Free movie tickets
Complimentary golf lessons
24/7 concierge services
Comprehensive travel insurance

3. What is the joining fee for this card?

The card has a one-time joining fee of ₹50,000, with no annual fee thereafter. The joining fee may be waived during special promotions.

4. How do I earn reward points?

You earn 1.5 reward points for every ₹100 spent on most transactions, and 0.75 points per ₹100 on utility and insurance payments. No points are earned on fuel transactions.

5. What can I redeem my reward points for?

Reward points can be redeemed for:

Cash credit (1 point = ₹1)
Travel vouchers
Luxury merchandise
Air miles
Gift cards

6. Does this card offer airport lounge access?

Yes, the card offers 2 complimentary domestic lounge visits per quarter and includes a Priority Pass membership for international lounge access (subject to terms and conditions).

7. What are the movie ticket benefits?

Cardholders get Buy One, Get One Free movie tickets via BookMyShow (3 free tickets per month, max ₹300 per ticket) and 4 complimentary tickets at Sathyam Cinemas in Chennai (max ₹120 per ticket).

8. What is the fuel surcharge waiver?

You get a 1% fuel surcharge waiver on transactions between ₹400-₹4,000 at all fuel stations in India, with a monthly cap of ₹250.

9. What travel insurance is included?

The card provides:

₹25 lakh air accident cover
₹1 lakh lost baggage protection
Coverage for delayed baggage and missed connections

10. What are the golf benefits?

Cardholders receive 1 complimentary golf lesson per month at select golf courses in major cities like Mumbai, Delhi, Bengaluru, and Chennai.

11. Can I get add-on cards?

Yes, you can apply for supplementary cards for family members. Add-on cardholders must be at least 18 years old and share the same address as the primary cardholder.

12. What should I do if my card is lost or stolen?

Immediately call IndusInd Bank's 24/7 customer care at 1860 267 7777 to block the card. You can also block it through net banking or the mobile app. The card is covered under the Total Protect program for unauthorized transactions reported within 48 hours.

List of IndusInd Bank Signature Exclusive Credit Card Branches in Karnataka

Bangalore - Malleswaram
Bangalore - Elements Mall
Bangalore - Kemp Fort Mall
Mangalore - City Centre
Mangalore - Forum Fiza Mall

Mandya
Manipal (Shivalli)
Bangalore - Marathahalli
Bangalore - Margosa Road
Bangalore - Museum Road

Mysore (Various Locations)
Bangalore - Nagarbhavi
Nelamangala
Nipani (Belgaum Dist.)
Bangalore - Outer Ring Road

Bangalore - Padmanabhanagar
Bangalore - Peenya Industrial Area
Bangalore - New BEL Road
Karnataka - Nipani
Bangalore - Padmanabhanagar Bangalore

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