Revision IndusInd Bank Credit Card Rewards Program
Please note, the IndusInd Bank Credit Card Rewards program is revised for earning Reward Points on the following indicative list of merchant categories:
- Utility Bill Payments
- Insurance Premium Payments
- Government Services/Charges/Payments
- Education Institute Fees
- Real Estate/Rental Payments (effective 20th January, 2022)
- Changes on Pioneer Heritage and Pioneer Legacy are effective from 4th February 2023
Spends on all other merchant categories will continue to earn Reward Points as per the existing Rewards program.
Note:The revision in the merchant categories for earning Reward Points is not applicable for IndusInd Bank Platinum Select Credit Card, IndusInd Bank Platinum Aura/Aura Edge Credit Card (Shop, Travel and Party plans), IndusInd Bank Nexxt Credit Card, IndusInd Bank PAYBACK Credit Card and IndusInd Bank Duo Card.
| Credit Card Variant | Revised Reward Points Earning on above mentioned Merchant Category Spends |
|---|---|
| IndusInd Bank Pioneer Heritage Credit Card | 0.70 Reward Point for every Rs. 100 (on domestic and international spends) |
| IndusInd Bank Pioneer Legacy Credit Card | 0.70 Reward Point for every Rs. 100 (on weekends and weekdays) |
| IndusInd Bank Indulge Credit Card | 0.70 Reward Point for every Rs. 100 (does not apply to Real Estate/Rental Payments) |
| IndusInd Bank Crest Credit Card | 0.70 Reward Point for every Rs. 100 (on domestic and international spends) |
| IndusInd Bank Pinnacle Credit Card | 0.70 Reward Point for every Rs. 100 (on POS and E-commerce spends) |
| IndusInd Bank Legend Credit Card | 0.70 Reward Point for every Rs. 100 (on weekends and weekdays) |
| IndusInd Bank Platinum RuPay Credit Card | 0.7 Reward Points for every Rs.100 (does not apply to Real Estate/Rental Payments) |
| IndusInd Bank Signature Credit Card | 0.70 Reward Point for every Rs. 100 |
| IndusInd Bank Iconia Visa Credit Card | 0.70 Reward Point for every Rs. 100 (on weekends and weekdays) |
| IndusInd Bank Iconia American Express® Credit Card | 0.70 Reward Point for every Rs. 100 (on weekends and weekdays) |
| IndusInd Bank Celesta American Express® Credit Card | 0.70 Reward Point for every Rs. 100 (on domestic and international spends) |
| IndusInd Bank Platinum Credit Card | 0.7 Reward Points for every Rs. 150 |
| IndusInd Bank Platinum Aura Credit Card (Home Plan) | 1.4 Savings Points for every Rs. 100 (does not apply to Real Estate/Rental Payments) |
| IndusInd Bank Platinum Aura Edge Credit Card (Home Plan) | 1.4 Savings Points for every Rs. 100 (does not apply to Real Estate/Rental Payments) |
| InterMiles IndusInd Bank Odyssey Credit Card | 1 InterMiles for every Rs. 100 (on weekends and weekdays) |
| InterMiles IndusInd Bank Voyage Credit Card | 1 InterMiles for every Rs. 100 (on weekends and weekdays) |
Also, you will earn reward points only for spends upto the assigned credit limit in every statement cycle.
Illustration:
| Credit Limit | Total Spends in Statement Cycle | Reward Points Earned |
|---|---|---|
| Rs. 1,00,000 | Rs. 90,000 | 900 |
| Rs. 1,00,000 | Rs. 1,80,000 | 1000* (1800 – 800) |
If the rewards earning ratio is 1 Reward Point for every Rs. 100 spent, a Cardholder who spends Rs. 90,000 in a statement cycle will earn 900 Reward Points.
However, in the second example, if a Cardholder spends Rs. 1,80,000 against the assigned credit limit of Rs. 1,00,000, he will earn 1000 Reward Points only.
* Total Reward Points earned in the Statement Cycle is 1800. 800 Reward Points will be forfeited as earned due to excess usage above the credit limit.