Eligible spend
1 points per ₹100 on eligible spend
INDUSIND VISA
Legend
Should you get this?
Strong fit
Why this card
- Forex markup is low at 1.8%.
- Up to 2 pts / ₹100 on Weekend
- You spend on weekend.
Trade-off
No material trade-off is resolved yet; verify issuer terms before applying.
Card fees ₹5,000 to join From year 2 · no renewal fee
Rewards 1 pt / ₹100 base
Lounge access 0 no lounge
Forex markup 1.8% low
Compare with HSBC India Live+ →
Similar low-forex profile
What it costs to get, and to keep
Joining vs renewalFirst year
₹5,000joining fee
From year 2
No renewal fee
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1 pt / ₹100Credited as reward pointsDoes not earn on Not stated
- fuel
Weekend2 pts / ₹100Credited as reward pointsNot stated
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getPoint value
Not published by issuer — varies by redemption
Best verified lane
Weekend
2 pts / ₹100
View bonus categories →No reward on
- Fuel
Realisation
Credited as reward points
Costs & fees
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1 pt / ₹100). Up to ~500 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- We can estimate the points earned, but not a verified ₹ value yet.
- Forex cost ~₹900 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
- International (cardholder)
- Not included on base card Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
Rewards
- Base earn
- 1 points per ₹100 value depends on redemption
Fees & charges
Fees
- Annual fee
- ₹0
- Joining fee
- ₹5,000
International Use
- Forex markup
- 1.8% (verify with issuer)
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived.
- Fuel transactions do not earn reward points.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions
These spends do not earn reward points.
Financial
- Fuel
Latest update
- Annual fee: ₹0.
- Forex markup currently listed at 1.8%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 1.8%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Joining fee is one-time; no recurring annual fee. Check GST and whether benefits require separate eligibility.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog - Cashback vs points
When simple cash beats flashy miles