IndusInd Bank Duo Card is India’s first debit-cum-credit card, featuring two EMV chips that let you use it either as a debit or a credit card. You can earn reward points on every transaction, making it a versatile option for everyday spending.
IndusInd Bank Duo Credit Card Rewards Program
Reward Points on Every Transaction:
Earn 1 reward point for every Rs. 150 spent on both credit and debit transactions.
Activation Reward Points (within 60 days of card issuance/account opening):
100 points for 1st shopping transaction (domestic/international) using the debit card
50 points for 1st e-commerce transaction (domestic/international) using the debit card
100 points for transactions via Internet Banking
100 points for transactions via Mobile Banking
100 points for ATM transactions at IndusInd Bank ATMs
50 points for ATM transactions at other bank ATMs
Other Features and Benefits
Entertainment Benefits:
Earn free movie tickets worth Rs. 3,000 per year.
Buy 1 Get 1 free movie ticket via BookMyShow (once per month, max Rs. 250 per free ticket).
Insurance Benefits (Total coverage: Rs. 25 lakh):
Lost card liability: Rs. 3 lakh
Air accident insurance: Rs. 25 lakh
Personal accident cover: Rs. 2 lakh
Purchase protection: Rs. 50,000
Lost baggage: Rs. 1 lakh
Delayed baggage: Rs. 25,000
Loss of passport: Rs. 50,000
Lost ticket: Rs. 25,000
Missed connection: Rs. 25,000
Other Benefits:
1% fuel surcharge waiver (up to Rs. 250 per month on transactions between Rs. 500–3,000)
2% cross-currency mark-up fee
24×7 concierge service for pre-trip assistance, hotel reservations, flight bookings, and exclusive bookings
Fees and Charges
Type of Fee or Charge
Amount
Joining Fee
Nil
Annual/ Renewal Fee
Nil
Finance Charges
3.83% p.m. | 46% p.a.
Late Payment Charges
For Statement Balance:
Up to Rs. 100: Nil
Between Rs. 101 and Rs. 501: Rs. 100
Between Rs. 501 and 1,000: Rs. 350
Between Rs. 1,001 and 10,000: Rs. 550
Between Rs. 10,001 and Rs. 25,000: Rs. 800
Between Rs. 25,001 and Rs. 50,000: Rs. 1,100
Above Rs. 50,000: Rs. 1,300
Things to Know Before you apply
Get this card if:
You want a card that works as both a credit and a debit card.
You want to earn reward points on every purchase.
You want added benefits like entertainment, insurance cover, and fuel surcharge waiver.
You are looking for a basic card with reasonable joining and annual fees.
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For IndusInd Bank Duo Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
IndusInd Bank Duo Credit Card Hilights
What do we like about this card?
Dual functionality: Works as both credit and debit card with two EMV chips.
Reward Points: Earn 1 reward point for every Rs. 150 spent; extra points on first transactions.
Entertainment Benefits: Free movie tickets worth Rs. 3,000 per year and B1G1 offers on BookMyShow.
Insurance Coverage: Air accident, personal accident, lost card liability, baggage, and passport cover up to Rs. 25 lakh.
Fuel & Forex Benefits: 1% fuel surcharge waiver (up to Rs. 250/month) and 2% cross-currency mark-up fee.
Concierge Service: 24×7 assistance for travel bookings, hotels, and exclusive experiences.
Pros
Works as both a credit and debit card, offering dual functionality.
Earn reward points on every transaction, including first-time activations.
Offers entertainment benefits like free movie tickets and BookMyShow offers.
Cons
Risk of confusion while swiping as debit or credit at ATMs or POS.
Not ideal for users looking for category-specific reward benefits.
IndusInd Bank Credit Card Contact Details
Contact Address: IndusInd Bank Ltd. 701, Solitaire Corporate Park, 167 Guru Hargovindji Marg, Andheri East, Mumbai – 400093, Maharashtra, India
Helpline: 1860 267 7777 (accessible from most Indian cities)
Simply SMS: SMS Indulge to 5676757 for details or callback requests
Frequently Asked Questions
Everything you need to know about this credit card
It is India’s first debit-cum-credit card, which allows you to use it as a debit or credit card, earning reward points on both types of transactions.
You earn 1 reward point for every Rs. 150 spent. Bonus points are awarded on first transactions via debit, internet banking, or mobile banking.
You can get free movie tickets worth Rs. 3,000 annually and avail Buy 1 Get 1 free tickets via BookMyShow (max 12 times/year, capped at Rs. 250 per ticket).
The card offers lost card liability (Rs. 3 lakh), air accident insurance (Rs. 25 lakh), personal accident cover (Rs. 2 lakh), purchase protection (Rs. 50,000), lost baggage cover, delayed baggage cover, and more.
Yes, 1% fuel surcharge waiver up to Rs. 250/month on transactions between Rs. 500–3,000, and a low cross-currency mark-up fee of 2%.
Yes, the card offers 24×7 concierge services for pre-trip assistance, hotel reservations, flight bookings, and exclusive bookings.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
IndusInd Bank
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