Indulge Credit Card

What changed on Indulge in 2025 and 2026

Indulge is IndusInd's top card, the one with a 22K gold inlay. Three changes in the last two years shape what it is worth today:

• From 13 March 2025, international lounge access is 4 Priority Pass visits per calendar quarter, outside India.
• From 10 March 2026, golf is 4 complimentary games and 4 lessons a month.
• Domestic lounges now depend on spend. IndusInd started tracking spend on 1 April 2026, and access is based on it from the July 2026 quarter. The bank does not publish the threshold. Users say quarterly requirements differ across IndusInd cards, with some citing up to ₹5 lakh.

If you read an older review promising unlimited free lounges, it is out of date.

This page is the IndusInd Indulge Credit Card. It is not IndusInd Crest or IndusInd Pinnacle, though people often weigh all three as steps on the same ladder.

The ₹75,000 question

Our record shows a ₹75,000 joining fee and a ₹10,000 annual fee. IndusInd's product page does not show either, so confirm them in the MITC. Users report upgrade offers ranging from ₹15,000 to ₹75,000 + GST, which suggests the price depends on the offer you are given.

Here is why the fee matters so much. Indulge earns 1.5 Reward Points per ₹100, per IndusInd's own product tile. On ₹10 lakh of spend a year, that is 15,000 points. IndusInd does not state a point value in the data we hold, so we cannot turn that into a percentage. But even at a generous ₹1 a point, a year of heavy spending would not cover a ₹75,000 joining fee.

Lifetime free or nothing

Reddit is unusually united on this card. The sentiment report's verdict: a decent secondary card if you get it lifetime free through your IndusInd relationship, and a hard pass if any fee is attached. Users say most holders were upgraded from another IndusInd card rather than applying cold. If a relationship manager offers it free, ask for written confirmation that both the joining and annual fees are waived.

What LTF holders say they use it for:

• A ₹3,000 discount on a fine dining bill twice a year, ₹6,000 in all.
• BookMyShow movie benefits each quarter.
• Offline swipes at the base rate.

These perks are user-reported and were not on the bank page we checked.

Points you cannot always spend

The second big complaint is redemption. Users report caps on what share of a voucher or statement credit you can pay with points, so large balances are hard to use at full value. One thread is titled "IndusInd Rewards system is very misleading".

The bottom line on IndusInd Indulge

Take it if IndusInd offers it to you lifetime free, in writing, and you travel abroad often enough to use 4 Priority Pass visits a quarter. Keep it as a second card for golf, dining and movie perks.

Do not pay for it. A joining fee in the ₹15,000 to ₹75,000 range buys perks that users say are worth far less. If you want to move up within IndusInd, Pinnacle is the step users recommend.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva