Comparing Credit Cards: Fees, Benefits and Other Charges

Posted on Monday, August 21st, 2023 | By IndusInd Bank

Credit cards are a convenient way to pay for your purchases, but they also come with various fees, benefits and other charges that you should be aware of before choosing one. In this blog, we will compare six credit cards from IndusInd Bank and highlight their features andadvantages.  

IndusInd Bank Nexxt Credit Card 

This is India’s first interactive credit card that lets you choose between three payment options at the point of sale: EMI, Rewards or Credit. You can select your preferred option by pressing a button on the card and the corresponding LED light will indicate your choice. The card also offers: 

• 1 reward point for every ₹150 spent  
• Two complimentary movie tickets each month on BookMyShow 
• Waiver of 1% fuel surcharge at any petrol pump across India. 
• Access to various offers and discounts on dining, shopping, travel and entertainment  

The card has a joining fee of ₹1999 and no Annual Fees. The interest rate for EMI option is 12% per annum and one can choose between EMI tenures of 6, 12, 18 and 24 months. 

IndusInd Bank Legend Credit Card 

This is a premium credit card that offers exclusive rewards and privileges on travel, dining and lifestyle. The card features: 

• 1 reward point for every ₹100 spent on weekdays and 2 reward points for every ₹100 spent on weekends. 

• 4,000 bonus reward points on spending ₹6 lakhs in a year from the date of card issuance. 
•  Complimentary movie ticket each month on BookMyShow. 
• Waiver of 1% fuel surcharge at any petrol pump across India 
• Complimentary Priority Pass membership with access to over 600+ lounges worldwide 

This credit card is a lifetime free credit card from IndusInd Bank.

IndusInd Bank EazyDiner Credit Card 

This is a powerful dining credit card that offers instant discounts and accelerated rewards on dining, shopping and entertainment. The card benefits include: 

• 10 reward points for every ₹100 spent on dining, shopping and entertainment 

• Instant redemption of reward points against restaurant bills for extra discount 
• Complimentary EazyDiner Prime membership worth ₹2,950 for 12 months with guaranteed 25% to 50% off at over 2,000 premium restaurants and bars 
• The Postcard Hotel stay voucher worth ₹5,000 valid at stunning destinations across India and the world 

The card has a joining fee of ₹1,999 and an annual fee of ₹1,999. On the payment of renewal fee, you earn a welcome bonus of 2,000 EazyPoints for discounts on dining and hotel stays. 

IndusInd Bank Platinum Visa Credit Card 

This is an exclusive lifestyle credit card that offers world-class privileges on travel, dining and shopping. The card provides: 

• 1.5 reward points for every ₹150 spent on all purchases 
• Waiver of 1% fuel surcharge at any petrol pump across India. 
• Complimentary insurance cover for lost baggage, lost card liability, air accident and travel assistance. 

This card is a lifetime free credit card from IndusInd Bank.

IndusInd Bank Platinum Aura Edge Credit Card 

This is a versatile credit card that offers customized rewards and benefits on various categories of spending. The card enables you to: 

• Choose your own reward categories from Travel, Shopping, Dining or Supermarket and earn up to 4 reward points for every ₹100 spent on them 

• Waiver of 1% fuel surcharge at any petrol pump across India 
• Enjoy a unique contactless payment feature 
• Complimentary insurance cover for lost baggage, lost card liability, air accident and travel assistance 

This card is a lifetime free credit card from IndusInd Bank.

IndusInd Bank Club Vistara Explorer Credit Card 

This is a co-branded credit card that offers exclusive benefits and rewards for frequent flyers of Vistara Airlines. The card grants you: 

• 8 Club Vistara Points for every ₹200 spent on Air Vistara website or app  
• Complimentary Club Vistara Gold membership with benefits like priority check-in, priority boarding, additional baggage allowance and lounge access 
• The priority pass programme that gives you access to 600+ lounges across the world 

• Complimentary business class ticket vouchers on achieving spend milestone 
• ZERO forex markup on all international transactions. 

The card has a joining fee of ₹40,000 and an annual fee of ₹10,000. The Club Vistara Points can be redeemed for award flights and upgrades on Vistara Airlines. 

Conclusion 

We have compared a variety of credit cards from IndusInd Bank based on their fees, benefits and charges. Depending on your spending habits and preferences, you can choose the best credit card for yourself from this list. However, before applying for any credit card, make sure you read the terms and conditions carefully and understand the eligibility criteria, interest rates, late payment charges and other fees that may apply. So, what are you waiting for? 

Apply Now 

Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.