IndusInd Points & Rewards Credit Cards in India 2026

Guaranteed 25%-50% discount at partner restaurants through EazyDiner Prime membership || Additional 25% discount through EazyDiner PayEazy (upto ₹1000 per bill)
– You get a minimum discount of 25% at over 2000 restaurants in India and Dubai, which are part of the EazyDiner Prime program.
– You get an additional 25% discount, if you pay restaurant bills through PayEazy (payment channel of EazyDiner app), upto ₹1000 per bill.

2% benefit on dining, shopping & entertainment spends || 0.80% benefit on all other card spends
– You get 10 rewards points worth ₹2, on every ₹100 you spend in these categories
– You get 4 rewards points worth ₹0.80 (80 paise), on every ₹100 you spend on all other purchases
– 1 rewards point = ₹0.20, and can be redeemed only on EazyDiner app (for paying restaurant bills OR other redemption options on EazyDiner app)

3X EazyDiner EazyPoints, on EazyDiner spends
– EazyPoints is the reward point currency of EazyDiner
– The value of EazyPoints is dynamic, usually between ₹0.20 to ₹1 per EazyPoint, depending on the redemption option you choose on the EazyDiner app

Complimentary access to airport lounges in India – 2 per quarter

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹400 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 2 times per month.

Fuel surcharge waiver : You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only

Total Protect : This covers your card for unauthorised transactions in case of –
– Loss or theft of the card, and
– Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
Protection is upto the credit limit of your credit card.

Benefits
– Attractive discounts on dining spends, through EazyDiner Prime membership & paying through EazyDiner PayEazy
– Complimentary access to airport lounges in India (2 per quarter)
– 2 free movie tickets per month (upto ₹200 each), at BookMyShow movies

Drawbacks to consider
– You will need to consider other cards to earn higher rewards on non-dining expenses

No annual fee from 2nd year onwards

1% cashback on all weekend card spends || 0.50% cashback on all weekday card spends OR 
2% reward (in terms of Club Vistara Points/InterMiles) on all weekend card spends || 1% reward (in terms of Club Vistara Points/InterMiles) on all weekday card spends
– You get 2 rewards points worth ₹1 (as cashback), on every ₹100 you spend on weekends with your card
– You get 1 rewards point worth ₹0.50 or 50 paise (as cashback), on every ₹100 you spend on weekdays with your card
– 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback. You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile.
– Exceptions : You get 0.70 reward points worth ₹0.52 (52 paise), on the following card spends – utility bill payments, insurance premium payments, government services/charges/payments, education institute fees, and real estate/rental payments.

Additional benefit, at ₹6 lakhs annual card spend (milestone benefit)
– You get 4000 rewards points worth ₹2000, at ₹6 lakhs yearly card spend
– 1 rewards point = ₹0.50 or 50 paise, and can be redeemed for cashback
(You can also convert your reward points to Vistara and InterMiles, 1 reward point = 1 Club Vistara Point / 1 InterMile).

Complimentary access to airport lounges in India – 1 per quarter

Free Priority Pass membership worth USD 100 (for international airport lounge access)
– Usage of international lounges is chargeable at USD 32 per visit (please visit the Priority Pass website to view latest lounge visit charges)
– If you are a regular user of international airport lounges, you could enrol for IndusInd Travel Plus program for ₹5000 per year. Under Travel Plus program you do not pay for usage of international airport lounges

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹200 per month
– Buy one ticket and get up to ₹200 off on the second ticket, at BookMyShow.
– This offer is valid 1 time per month.

24/7 emergency roadside assistance (Legend Auto Assist)
– Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services)
– This provides services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Complimentary insurance benefits
✓ Air accident insurance of ₹25 lakhs
✓ Total Protect – this covers your card and add-on cards for unauthorised transactions and counterfeit fraud, till the credit limit of your credit card.
✓ Complimentary travel insurance covers-
- Lost baggage cover of ₹1 lakh
- Delayed baggage cover of ₹25000
- Loss of passport cover of ₹50000
- Lost ticket cover of ₹25000
- Missed connection cover of ₹25000

Low fee of 1.80% on international transactions

Fuel surcharge waiver, upto ₹2400 per year
– You get 1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 only, and
– On fuel purchases upto ₹2.40 lakhs per year, since the waiver amount is restricted to ₹2400 per year
– Some fuel pumps may charge more than 1% surcharge, the yearly waiver would still be capped at ₹2400 in all cases

Benefits
– No annual fee after the 1st year
– Lifestyle benefits including complimentary airport lounge access, emergency roadside assistance, 24X7 concierge services

Drawbacks to consider
– Comparatively low reward rate on card spends