IndusInd Bank Iconia Credit Card
The IndusInd Bank Iconia Credit Card is a premium credit card from IndusInd Bank, with a joining fee of ₹3,000 + GST.
It earns up to 1 pts per ₹100 (≈0.5% value) on weekend spend spends in the form of reward points (points).
Cardholders get 8 annual domestic airport lounge access, plus luggage / lifestyle voucher worth ₹3,000 as a welcome benefit.
- Joining Fee₹3,000
- Annual Fee₹3,000
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
- 1 pts per ₹100 on weekend spend
- Base 0.38% on other spends
- Luggage / lifestyle voucher worth ₹3,000
IndusIndgoldpremiumRewards and Benefits
- air accident: ₹2,50,00,000
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹56/mo
- Groceries₹8,000 · 0.4% = ₹30/mo
- Dining & food delivery₹8,000 · 0.4% = ₹30/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹38/mo
- Utilities & bills₹5,000 · 0.4% = ₹19/mo
₹2,070 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by IndusInd Bank.
- Joining / annual fee of ₹3,000 + GST, waived on annual spends of ₹5,00,000.
- Available on the American Express network.
- Complimentary airport lounge access: domestic (8/annual).
- Insurance cover bundled: air accident.
Pros & Cons
- Annual fee waivable on ₹5,00,000 spend.
- Complimentary domestic airport lounge access (8/annual).
- 24/7 concierge service.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹3,000 welcome benefit
- Luggage / lifestyle voucher worth ₹3,000Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 1 pts per ₹100 on weekend spend1 RP per ₹100 on weekends (Sat/Sun); 0.75 RP per ₹100 on weekdays (base).
- Redemption value (eff 1-Mar-2024): 1 RP = ₹0.75 non-cash (excl airmiles), ₹0.50 cash; cash redemption capped 5,000 RP/calendar month (eff 1-Sep-2024).
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Insurance benefits
- air accident: ₹2,50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹4,000.
Sources
- : www.indusind.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹12,00,000 p.a.
- Income (self-employed)
- ₹12,00,000 p.a.