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Credit Card - Compare Credit Cards & Apply Instantly

Effortlessly manage expenses and enjoy exclusive rewards with IndusInd Bank Credit Cards. Select the perfect credit card from our range based on your needs. Enjoy a 100% paperless application process and instant approval in 3 easy steps.

Step #1: Fill in your basic details and do a quick e-KYC to confirm your address.
Step #2: Choose an instant credit card that best suits your needs.
Step #3: Complete video KYC

Steps to apply for a Credit Card

Apply Credit Card Online - IndusInd Bank
Apply Credit Card for Instant Approval - IndusInd Bank
Apply for Credit Card Online on Mobile - IndusInd Bank
  • Input details - apply instant Credit Card - IndusInd Bank
    Input your details

    Fill in your basic details like mobile number and PAN number

  • best-offer-for-you - apply instant Credit Card - IndusInd Bank
    Best card offers for you

    Basis your details, we offer you multiple instant cards to choose from

  • complete-application - apply instant Credit Card - IndusInd Bank
    Complete application

    Complete V-KYC and sign the application digitally to get your card


Post application approval, you will receive your physical card within 24-48 hours. Plus, why wait? Start shopping online with your virtual credit card. It can be generated instantly, offering the same rewards and benefits as the physical card.
Whether booking a hotel, train or flight tickets, paying bills, buying a gadget, or shopping online or in-store, IndusInd Bank Credit Cards offer unparalleled benefits tailored to your lifestyle. Enjoy a host of benefits like: 

1) Reward points on everyday spending 
2) Reward points that never expire  
3) Exclusive travel privileges and discounts  
4) Flexible repayment options like EMI and No-Cost EMI 
5) Enhanced card security for worry-free transactions

Choose from a range of credit cards

In India, a variety of credit cards cater to diverse financial needs and preferences. Some of the most popular ones are:

  • Standard Credit Cards: These are basic credit cards with a predefined credit limit and standard features for everyday transactions.
  • Rewards Credit Cards: Designed for those who seek benefits, rewards credit cards offer points, cashback, or discounts on specific purchases.
  • Travel Credit Cards: Geared towards frequent travelers, these cards provide travel-related perks such as air miles, frequent flyer program memberships and airport lounge access.
  • Premium Credit Cards: Tailored for high-income individuals, premium cards offer exclusive privileges like concierge services, golf privileges, luxury travel benefits, and access to elite events.
  • Co-branded Credit Cards: These cards are in partnership with specific brands, airlines, or retailers, offering specialized rewards and discounts with those partners.

With the right credit card, managing your finances can be quick and hassle-free. Considered amongst the best credit card issuers in India, IndusInd Bank offers an assortment of unique benefits to help you maximize your savings & enjoy a seamless payment experience.

We also offer a range of instant credit cards that offer best-in-class benefits and have a 100% digital application process. Head on to the Instant Credit Cards section below and apply for credit card of your choice.

Best Credit Card Offers


Get flat 15% off upto Rs.1000 on minimum spend of Rs.1995
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Get 15% off up to Rs. 500 on minimum transaction value of Rs. 1500
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Additional 10% off up to INR 300 on Myntra
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Flat Rs 400 off on Ajio
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Swiggy Offer

INR 50 off on minimum spend of Rs.499
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Vista Rooms

Get 15% off upto Rs.5000 on Vista Rooms
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Get Flat 20% off + INR 1000 cashback
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Get additional 15% off on minimum purchase of Rs 1999.
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Flat Rs.300 off sitewide on Boat products
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Get flat 20% off on your gift shopping.
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Flat 10% off
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Shop for your favourite items and get amazing discounts. With your Indus Easy Credit Card, enjoy exciting offers throughout the year whenever you shop for apparel, dine at your favourite restaurants, book flight or movie tickets, go out for grocery shopping and much more. Apply for credit card online and explore a range of exciting offers right away!

Credit Card Features and Benefits

You can now apply for credit card online with IndusInd Bank and enjoy unmatched features and benefits, designed exclusively for you.

  • Spending is now rewarding. Get reward points every time you swipe your credit card and earn bonus reward points when you achieve milestone spends. Be it eating out at your favourite restaurants, a movie plan with friends or your weekend grocery shopping, enjoy the world of discounts and freebies like never before!

  • Choose from a range of cards that come with 0 joining fee and 0 annual fees. Apply for your own Indus Easy Credit Card today and enjoy them for a lifetime without paying a single penny!

  • The reward points earned on your IndusInd Bank card do not carry an expiry date. So, redeem them whenever you want or convert them for cash in your card account.


  • No need to pay an additional surcharge every time you spend on fuel as you get a waiver on your fuel surcharge at all petrol pumps across India.

  • Travel in style with complimentary airport lounge access across several domestic and international airports.

  • Now save more with attractive cashback deals and offers!

So, what are you waiting for? Apply for credit card online now and get instant approval with IndusInd Bank.

Eligibility Criteria to Apply for Credit Card

Eligibility Criteria

Before you apply for credit card, it is important to check whether or not you fulfil the eligibility criteria. Check out the eligibility conditions for Indus Easy Credit Cards below:

  • Age: To apply, you must be at least 18 years old. On the other hand, the upper-limit age is 75 years.
  • Income: Your net monthly income should be at least Rs.20, 000
  • Occupation: All Salaried and Self-Employed individuals can apply
  • Credit score: You need to have a good CIBIL score
Documents needed for online credit card application
  • No physical documents are required
  • Keep your Aadhaar number and PAN card handy to speed up the application process
  • Proof of residence if your current address is different form the one in Aadhaar

Things to Know Before Applying for an Instant Credit Card Online

Before you apply for a credit card online, you must keep a few important things in mind to keep your finances stable.

  • Know Your Credit Score: Be aware of your credit score and how it impacts your eligibility for acquiring a credit card. A higher credit score will give you favourable terms and better card options.
  • Interest rates & Fee – Keep an eye on the interest rates, annual fees, late payment charges and other fees associated with the card. 
  • Credit Limit – Check the credit limit you’re being offered. A higher limit can be beneficial but spend responsibly to avoid accruing higher debt.
  • Timely Payments – Make sure to pay your credit card bills on time before the due date to avoid late payment fees and interest charges. Paying your bills on time will, in fact, positively impact your credit score.
  • Rewards & benefits – Understand the benefits & perks associated with the credit card before you apply for it. Consider how they can align with your financial lifestyle like travel rewards if you’re a frequent flyer or dining discounts if you eat out often.

Using your credit card responsibly not only helps you boost your credit score, but it’s also rewarding in the long run with its perks & privileges. That’s why spend with your credit card responsibly and manage your finances wisely.

Credit Card Safety and Usage Tips

Securing credit card usage is essential for financial well-being. You must always:

  • Regularly Monitor Statements: Keep a close eye on your monthly statements for any unauthorized transactions, promptly reporting discrepancies if any to your card issuer. 
  • Safeguard Personal Information: Protect your card details, PIN, and personal information. Avoid sharing sensitive information over the phone or online unless it's a trusted and secure platform. 
  • Set Strong Passwords:  Ensure strong, unique passwords for your credit card accounts to prevent unauthorized access. 
  • Be Wary of Phishing: Be cautious of phishing attempts, both online and offline. Verify the authenticity of communications from your card issuer to avoid falling victim to scams. 
  • Update Contact Information: Keep your contact details up-to-date with the card issuer to receive timely alerts and notifications regarding your account activity. 
  • Use Secure Websites: When making online purchases, ensure the website is secure (look for "https://") and reputable to safeguard your card information. 
  • Avoid use of public Wi-Fi: Avoid using public Wi-Fi networks while doing financial transactions as it can put your card information at risk.

By adopting these practices, cardholders can minimize the risk of fraud and ensure secure credit card usage.

Credit Card Interest Rates and Charges

Interest charges are levied if Total Amount Due is not paid off by due date and Late Payment charges are applicable if the minimum due amount is not paid by the due date. Interest charges are dynamic and are subject to change based on periodic review by IndusInd Bank. To know more about the interest rates and charges of our credit cards click here.

Credit Card Sourcing Partners

Bank has partnered with below service providers to source credit cards under referral arrangements.

S.No. Partnerships
1. Paisabazaar (Paisabazaar Marketing & Consulting Private Limited)
2. Bankbazaar (A&A Dukaan Financial Services Private Limited)
3. Bajaj Markets ( Bajaj Finserv Direct Limited )

Credit Card FAQs

  • What is a Credit Card?

    Issued by renowned banks and financial institutions, a credit card enables the cardholder to purchase products or avail of services on credit. Owning this plastic card enables people to borrow funds from the bank or financial institution, with a promise that they will pay off the amount within a specific time.

    The cardholder doesn’t need to pay any interest if they repay the amount within the specified interest-free period. These cards have a pre-set borrowing limit, which indicates the maximum amount of money a person can spend using them. IndusInd Bank offers a broad selection of credit cards to meet the requirements of its customers. Compare them online and choose the finest option that best suits your needs.

  • Why should you apply for an IndusInd Bank Credit Card?

    At IndusInd Bank, we understand that every customer has a different financial need. Considering this, we have designed the best credit card range with endless benefits and privileges to meet the specific needs of our customers. The card range offered by IndusInd Bank maximises everything starting from rewards, cashback, entertainment deals, dining offers, and more. You can easily apply online and select a card that best matches your requirements.

  • What are the steps to apply for an instant Credit Card?

    Getting your own instant credit card is easy. You need to follow the steps mentioned below to apply for credit card online:

    • Visit and provide few basic details like your mobile number, PAN card number etc. to get started.
    • Verify your address details
    • Choose a card that best matches your requirements
    • Complete your application with an instant video KYC
    • Sit back & relax, the card will be delivered to your address within 24-48 hours.
  • How to check Credit Card application status?

    You can call our Helpline Number 18602677777 to check the status of IndusInd Bank credit card application. The bank will send an SMS to your registered cell phone number as soon as your application is processed.

  • How to activate IndusInd Credit Card?

    Your card comes pre-activated for PIN based domestic transactions. To start using the card instantly, you can set your credit Card Pin through the Mobile Banking App (IndusMobile) or Net Banking (IndusNet). You can also manage your transaction preferences and set transaction limits basis your usage requirement on IndusInd Service Portal by visiting

  • What are reward points and how can I use them?

    Reward points are a form of incentive offered by credit card issuers, earned by cardholders through eligible transactions. Accumulated over time, reward points reflect the cardholder's spending activity. These points can be redeemed for various benefits, such as airline miles, brand vouchers and gift cards, merchandise or even direct cash credit to card account depending on the credit card's rewards program. IndusInd Bank credit card holders can call the Phone Banking service to place a reward points redemption request. They can also redeem their reward points online on the official website of Indus Moments by visiting IndusInd card holders also get to enjoy evergreen reward points where they can redeem the points anytime as per their convenience without worrying about the expiry of accumulated reward points.

  • What is a credit card balance?

    The credit card balance refers to the total amount of money owed by a cardholder to the credit card issuer. It encompasses all the transactions, purchases, fees, and interest charges incurred during a specific billing cycle. The balance is a dynamic figure that fluctuates based on the cardholder's spending and payment activities. It is crucial for cardholders to manage their credit card balance effectively, either by paying the outstanding in full each month to avoid interest charges or by making at least the minimum payment to avoid late payment fees and maintain a positive credit standing. Understanding and keeping track of the credit card balance is essential for maintaining financial responsibility and preventing the accumulation of excessive debt.

  • How to increase IndusInd Credit Card limit?

    You can request IndusInd Bank to increase your credit card limit. The bank will review your credit history to determine whether you qualify for an increase in your credit limit. You must make on-time payments, keep a low credit utilisation ratio, show proof of an increase in income, and maintain a high credit score to increase the likelihood that your application will be approved.

  • What is a credit card statement?

    A credit card statement is a detailed record of a cardholder's financial activity within a specific billing cycle. Issued by the credit card company on a monthly basis, this statement provides a comprehensive overview of transactions made using the credit card during that period. It includes details such as the date of each transaction, the merchant involved, the amount spent, and any applicable fees or interest charges. Additionally, the statement outlines the total outstanding balance, minimum payment due, and the payment due date. Cardholders can use the credit card statement to track their spending, review charges for accuracy, and understand the overall financial status of their credit card account. It serves as a crucial tool for financial management and responsible credit card use.

  • Which credit cards from IndusInd Bank are lifetime free?

    Unlock a world of convenience and savings with IndusInd Bank's lifetime free credit cards. Enjoy the ease of cashless transactions, enhanced security features, and the flexibility that our feature-rich cards offer. Here is the IndusInd Bank lifetime free credit card list, with each card tailored to suit your lifestyle and spending habits:

    Our competitive interest rates and attractive offers ensure you get the most value for your daily spending. From reward points that never expire to fuel surcharge waivers and exclusive deals across dining, travel, and shopping – experience financial freedom like never before. Apply online today and step into a lifetime of rewards and savings with IndusInd Bank.
  • Whom can I reach out to in case of queries/assistance required during the journey or post Credit Card issuance?

    In case of any queries or assistance, you can call us on our 24-hour customer care number - 18602677777 or write to us at

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