IndusInd Premium Credit Cards in India 2026

No annual fee from the 2nd year onwards

1.9% cashback on online spends (except travel) || 0.75% cashback on offline spends OR
2.50% reward (in terms of Club Vistara Points/InterMiles) on online spends (except travel) || 1% reward (in terms of Club Vistara Points/InterMiles) on all offline spends
– 2.50 rewards points (worth ₹1.87 as cashback or worth 2.50 Club Vistara Points/InterMiles), on every ₹100 you spend on online purchases except travel
– 1 reward point worth (worth ₹0.75 as cashback or worth 1 Club Vistara Points/InterMiles), on every ₹100 you spend on offline purchases
– 1 reward point = ₹0.75, and can be redeemed as cashback into your credit card statement. You can also convert your reward points to Vistara and InterMiles - 1 reward point = 1 Club Vistara Point / 1 InterMile
Please note
– You get 1.50 reward points (worth ₹1.12 as cashback or worth 1.50 Club Vistara Points/InterMiles), on every ₹100 you spend on online travel
– You get 0.70 reward points on every ₹100 you spend in the following categories – utility bills (online and offline), insurance premium, government and education, fees, real estate/rental payments.
– No cashback is given on fuel spends. Call centre transactions and standing instructions are treated as offline spends

Complimentary access to airport lounges in India – 1 per quarter

Complimentary access to airport lounges abroad – 2 per quarter (through Priority Pass program)

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹600 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 3 times per month.

Complimentary golf benefits – 2 free golf rounds per month AND 2 free golf lessons 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.

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.

Air accident cover of ₹25 lakhs

Benefits
– Premium card, with no annual fee from the 2nd year onwards
– Lifestyle benefits such as complimentary airport lounge access both in India and abroad, complimentary golf, movie benefits, emergency roadside assistance, and more

Drawbacks
– You could earn higher reward rates on other premium cards, but which charge an annual fee