IndusInd RuPay Credit Card

Lifetime Free RuPay Classic card with UPI enabled

JOIN: LTF
ANNUAL: LTF
REWARDS: 0.6%
APR: 42.00% p.a.

RUPAY CREDIT Classic Plastic VIRTUAL OK

§ BENEFITS

rewards

Reward Points on All Spends

2 Reward Points per ₹100 spent on all retail purchases

2 RP per ₹100

other

UPI Enabled

Link your credit card with UPI for seamless digital payments

UPI enabled

§ ELIGIBILITY

Employment: Salaried / Self-Employed
Min annual income: ₹1,80,000
Min monthly salary: ₹15,000
Age: 21 – 65
Min credit score: 650
Existing account?: Not required
Invitation only?: No

§ FEES

Joining fee: Lifetime free
Annual fee: Lifetime free
APR (monthly): 3.50% p.m.
APR (annual): 42.00% p.a.
Late payment fee: ₹1,300
Over-limit fee: ₹500
Cheque bounce: ₹500
Grace period: 50 days
Min due: 5%

§ ATM & CASH

Own bank free / month: 0
Own bank charge: ₹250
Other bank free / month: 0
Other bank charge: ₹250
International withdrawal: ₹250
Cash advance fee: 2.5%

§ TRANSACTIONS

Currency markup: 3.5%
DCC fee: 1%
Cross-border fee: —
SMS alert / month: —
PIN regen: —
Physical statement: —

§ FUEL

Fuel waiver: Not available

§ LIMITS

ATM / day: ₹10,000
POS + e-com / day: ₹50,000
Contactless / txn: ₹5,000
Contactless / day: ₹50,000

§ INSURANCE

Accidental death cover: —
Permanent disability: —
Air accident: —
Travel insurance: —
Baggage: —
Lost-card liability: ₹50,000
Purchase protection: —

§ REWARDS

Programme: IndusInd Reward Points
Earn rate: 2 RP per ₹100
Point value: ₹0.3
Effective cashback: 0.60%
Min redemption: 100 pts
Expiry: 3 years from date of accrual

§ LOUNGE

Domestic: Not available
International: Not available
Domestic guests allowed?: No
International guests allowed?: No

Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with IndusInd Bank and earns no commission on applications.