IndusInd Bank Credit Cards: Which One Should You Get?

Quick Verdict

Which IndusInd Bank credit card is best for me?For most people, EazyDiner Platinum if you eat out and want the one card whose page states no joining fee and no annual fee, or Tiger if you can spend over ₹5 lakh a year and want rewards that rise with spend. Choose Pinnacle or Avios Visa Infinite only if you meet the income bars and will use lounges, golf or Avios.

The IndusInd card portfolio is harder to read than the best IndusInd credit card lists suggest. The bank's portfolio page tags six cards "Lifetime Free", yet the 2024 MITC we read still shows a ₹9,999 joining fee on Legend with nil annual fee, so "lifetime free" can mean no annual fee, not no fee. Most IndusInd cards listed a 3.5% forex mark-up in that same MITC, with Legend at 1.8%. Several product pages still carry notices from 2024 and 2025, such as the end of Club Vistara and InterMiles redemptions, and Legend's page says its lounge access was discontinued from 7 March 2025 while still listing Priority Pass. Our scores for the cards sit between 62 and 78, with no A Tier. Read each card's current MITC before applying.

We are researchers, not testers: this guide rests on IndusInd's own pages and documents. The bank's fee table was not fully readable, so fee amounts are flagged where unconfirmed.

Which IndusInd Credit Cards Are Currently Listed?

IndusInd's credit card page lists these cards with fee-tier labels: Platinum RuPay, Legend, EazyDiner, Platinum Aura Edge, Platinum Visa, Pinnacle, Nexxt, Tiger, Samman, EazyDiner Platinum, Avios Visa Infinite and a secured card against a fixed deposit. We read the product pages for eight of them and score those. We did not score Platinum Visa, Platinum Aura Edge, the premium EazyDiner card or the secured card because their pages were not read in full. The bank's menu also lists a DUO card that combines credit and debit features.

Best IndusInd Credit Card by Use

Tiger: rewards that rise with annual spend

Tiger's page earns 1 reward point per ₹100 up to ₹1,00,000 of annual spend, then more as the slab rises, to 6 points above ₹5,00,000. Each point is worth ₹0.40 as cash credit, capped at 5,000 points a month (₹2,000).

The page does not say whether a higher rate applies only to the spend above each threshold, so do not assume the top rate from rupee one. Fuel, utilities, insurance, government, education, real estate and rent are excluded from accelerated points. Extras are two domestic lounge visits a quarter, two Priority Pass visits a year, golf and a 1.5% forex mark-up.

Benchmarksutra Score:72/100 — B Tier

EazyDiner Platinum: lifetime free for diners

This is the one card whose page says in plain words that it has no joining fees and no annual fees. It earns up to 2 points per ₹100 at ₹0.20 each, plus 2,000 points on ₹30,000 spent every 90 days with dining excluded from that milestone. It also gives three months of EazyDiner Prime worth ₹1,095, 500 EazyPoints and an extra 20% off up to ₹500 when you pay through the app, capped at three uses a month. At ₹0.20 a point the 2,000-point milestone is worth ₹400, about 1.3% of ₹30,000. Forex and lounge terms are not on the page.

Benchmarksutra Score:71/100 — B Tier

Platinum RuPay: double points on UPI

Platinum RuPay earns 2 points per ₹100 through UPI and 1 point otherwise. The page values a point at ₹0.60 for non-cash use from 15 December 2024, so UPI spends return up to 1.2% if you redeem that way. Cash redemption is capped at 2,500 points a month and the cash value is not stated. Forex is 3.5%. Read ourRuPay UPI cashback comparisonbefore you rely on it.

Benchmarksutra Score:68/100 — C Tier

Legend: weekend rewards, lower forex

Legend earns 1 point per ₹100 on weekdays and 2 on weekends, with 3,000 bonus points on spending ₹5 lakh within a year of issue. Its forex mark-up is 1.8% on the page and in the 2024 MITC. The ₹9,999 joining fee in that MITC and the stale lounge notice are the reasons we hold it at 70.

Benchmarksutra Score:70/100 — B Tier

Pinnacle: lounges and golf at a price

Pinnacle earns 2.5 points per ₹100 on e-commerce, 1.5 on travel and 1 elsewhere. It lists one international Priority Pass visit a quarter, domestic lounge access from the July 2026 quarter based on spend tracked from 1 April 2026, and one golf game and one lesson a month. The page states income bars of ₹10 lakh for salaried and ₹12 lakh for self-employed applicants. The 2024 MITC shows a ₹14,999 joining fee.

Benchmarksutra Score:77/100 — B Tier

Avios Visa Infinite: for Avios collectors

Avios Visa Infinite gives 20,000 welcome Avios to a British Airways or Qatar Airways account, 3 Avios per ₹200 on most spends and up to 6 at your chosen destination. Milestones of 18,000 Avios come at ₹8 lakh of yearly spend, capped at 36,000 a year. The page lists two domestic and two international lounge visits a quarter. The 1.5% forex rate applies only at the preferred destination.

Benchmarksutra Score:78/100 — B Tier

Nexxt and Samman

Nexxt earns 1 point per ₹150 and lets you choose EMI, rewards or credit at a swipe machine, with EMI quoted at 12% a year. Samman is for government sector employees only, with 1% cashback on retail spend up to ₹20,000 a cycle, so at most ₹200 a cycle.

Benchmarksutra Score (Nexxt):64/100 — C Tier

Benchmarksutra Score (Samman):62/100 — C Tier

What Foreign Spending Costs on IndusInd Cards

IndusInd also levies other charges: ourIndusInd 2026 charge changes postcovers fuel, transport and dynamic currency conversion fees. Test your own numbers with ourforex markup calculator. Whether a card's fee pays for itself is a separate sum: use theannual fee breakeven calculator.

Who Should Choose Which IndusInd Card?

If you are comparing banks, seehow to compare credit cards in Indiaand how we rate cards inthe Benchmarksutra score explained.

IndusInd Credit Cards Benchmarksutra Scores

These scores use our fixed 100-point framework. Seehow we rate Indian credit cardsfor the method.

Totals match the scores already published on benchmarksutra.in after IndusInd's June 2026 charge changes.

Checklist

• What does "lifetime free" mean for this card: no annual fee, or no joining fee too?

• Does the current MITC match the product page?

• What is one reward point worth, and how do you redeem it?

• What is the forex mark-up, and will you travel abroad?

• Do you meet the income bar, if stated?

• Which categories earn nothing: fuel, utilities, rent, insurance, education?

• Is the lounge benefit still listed in current notices?

• Have you read the RBI Directions on charges and disclosure?

Common Mistakes to Avoid

Mistake 1: Equating lifetime free with zero cost

Legend carries a ₹9,999 joining fee in the 2024 MITC although it is labelled Lifetime Free.

Mistake 2: Trusting a product page's old notices

Several pages still carry 2024 and 2025 notices. Confirm against the current MITC.

Mistake 3: Expecting the top Tiger rate on all spend

The page ties the rate to annual spend slabs and does not say it applies from rupee one.

Mistake 4: Using a 3.5% card abroad

On ₹1 lakh that costs ₹4,130 with GST.

Related on benchmarksutra

• Credit cards in India: every benchmarksutra guide in one place

• Credit Card Finder quiz: the best card for how you spend

• IndusInd Grande and Pioneer Savings Accounts Get Taj Benefits: Who Qualifies and What to Check

• RBL Bank credit cards: which one should you get?

• IDFC FIRST Bank credit cards: which one should you get?

FAQs

Which IndusInd Bank credit card is best for me?

EazyDiner Platinum suits diners who want no joining or annual fee, and Tiger suits spenders above ₹5 lakh a year. Avios Visa Infinite and Pinnacle suit flyers and high earners who meet the income bars.

Which IndusInd credit card is lifetime free?

IndusInd labels Platinum RuPay, Legend, EazyDiner Platinum, Tiger, Platinum Aura Edge and Platinum Visa as Lifetime Free. Only EazyDiner Platinum's page states no joining fee and no annual fee; check each card's MITC.

Does IndusInd Legend have a joining fee?

The 2024 MITC we read lists a ₹9,999 joining fee and nil annual fee for Legend. Confirm today's fee with the bank.

What forex mark-up does IndusInd charge?

The 2024 MITC lists 3.5% on all cards except Legend at 1.8%, plus GST. Tiger's page shows 1.5%, and Avios shows 1.5% at the preferred destination.

Is there an IndusInd UPI credit card?

Platinum RuPay can be linked to UPI apps and earns 2 points per ₹100 on UPI spends, per its page. EazyDiner Platinum and Samman pages mention UPI on their RuPay variants.

Which IndusInd card has lounge access?

Pinnacle, Avios Visa Infinite and Tiger list lounge visits on their pages. Legend's page lists Priority Pass but also says lounge access was discontinued from 7 March 2025.

Is there an income requirement for Pinnacle?

Pinnacle's page states ₹10 lakh a year for salaried and ₹12 lakh for self-employed applicants.

Official Sources and Editorial Note

Data checked as of: 10 November 2026

IndusInd Bank credit card portfolio page
https://www.indusind.bank.in/in/en/personal/cards/credit-card.html

IndusInd Bank Tiger Credit Card
https://www.indusind.bank.in/in/en/personal/cards/credit-card/tiger-credit-card.html

IndusInd Bank Legend Credit Card
https://www.indusind.bank.in/in/en/personal/cards/credit-card/legend-credit-card.html

IndusInd Bank Platinum RuPay Credit Card
https://www.indusind.bank.in/in/en/personal/cards/credit-card/platinum-rupay-credit-card.html

IndusInd Bank EazyDiner Platinum Credit Card
https://www.indusind.bank.in/in/en/personal/cards/credit-card/eazydiner-platinum-credit-card.html

IndusInd Bank Nexxt Credit Card
https://www.indusind.bank.in/in/en/personal/cards/credit-card/nexxt-credit-card.html

IndusInd Bank Pinnacle Credit Card
https://www.indusind.bank.in/in/en/personal/cards/credit-card/pinnacle-world-credit-card.html

IndusInd Bank Avios Visa Infinite Credit Card
https://www.indusind.bank.in/in/en/personal/cards/credit-card/avios-visa-infinite-credit-card.html

IndusInd Bank Samman Credit Card
https://www.indusind.bank.in/in/en/personal/cards/credit-card/samman-credit-card.html

IndusInd Bank Credit Card Most Important Terms and Conditions (22 April 2024 version; joining fees, forex, interest)
https://www.indusind.bank.in/content/dam/indusind-corporate/Other/welcomekit/MITC-Premium-22-04-2024.pdf

IndusInd Bank schedule of charges page
https://www.indusind.bank.in/in/en/personal/schedule-of-charges.html

Credit Cards and Debit Cards: Issuance and Conduct Directions, 2025 (updated as on 1 October 2026)
https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13155&Mode=0

Editorial note:
IndusInd's product pages and a 2024 MITC were our sources; the current schedule of charges could not be read in full, so fee amounts for several cards are unconfirmed. Card pages carry some older notices. We are researched, not tested.

This article is written from official sources and does not rely on third-party wording.