Innovative 2-in-1 Dual Card Combining Credit & Debit Functionality
Innovative digital adopters, minimalist wallet users, and account holders who want seamless switching between credit lines and debit savings on one card.
₹1,500
One-time upfront₹799
Waived on ₹1 lakh annual spend1 Reward Points per spend of Rs. 150
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IndusInd Bank Duo Plus Credit Card is an architectural innovation in Indian payment cards: it combines both a full-fledged Credit Card and a Debit Card into a single physical body with two separate EMV microchips and magnetic stripes (one on the front, one on the back). Priced at ₹1,500 plus GST joining and ₹799 plus GST annual renewal fee, it allows consumers to de-clutter their wallets while enjoying separate accounts. Cardholders earn 2 reward points per ₹100 spent using the credit interface, and 1 reward point per ₹100 spent when swiped as a debit card linked to their savings account. Points can be redeemed for statement credit, airmiles, or merchandise vouchers via IndusMoments. Cardholders enjoy 1 complimentary domestic airport lounge visit per calendar quarter upon spending ₹10,000 on the credit account in the prior quarter, alongside a Buy 1 Get 1 free movie ticket discount on BookMyShow once a month. The card also includes a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (up to ₹200 per month). The ₹799 annual fee is waived upon spending ₹1,00,000 on the credit interface in an anniversary year. For minimalist spenders who appreciate smart hardware design, Duo Plus is an ingenious daily companion.
1 Reward Points per spend of Rs. 150
Vouchers Worth ₹1,000 from Any One of the Following Brands – Bata, United Colors of Benetton, Levis, Pantaloons, Pizza Hut
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Credit Transactions | 1 Reward Point per Rs 100 spent on credit transactions (0.25% value return) | No Cap | Standard terms apply |
| Debit Transactions | 0.50 Reward Point per Rs 100 spent on debit transactions (0.125% value return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Credit Transactions | ₹6,000 | 1 Reward Point per Rs 100 spent on credit transactions (0.25% value return) | — | None | Calculating... | Under cap |
| Debit Transactions | ₹6,000 | 0.50 Reward Point per Rs 100 spent on debit transactions (0.125% value return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹799
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,500 + GST; Annual Renewal Fee: ₹799 + GST. • Annual Fee Waiver: Spend ₹1,00,000 or more in an anniversary year on the credit account to waive the ₹799 renewal fee. • Dual-Function Hardware: Integrated Credit Card on one side and Debit Card on the reverse with dual EMV chips. • Rewards on Credit: 2 reward points per ₹100 spent on all credit transactions. • Rewards on Debit: 1 reward point per ₹100 spent on debit transactions from linked savings account. • Airport Lounge Access: 1 complimentary domestic airport lounge visit per quarter (spend ₹10,000 on credit in previous quarter). • Movie Privileges: Buy 1 Get 1 free movie ticket on BookMyShow once per calendar month. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 (up to ₹200 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹799 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IndusInd Bank Duo Plus Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IndusInd Bank portal with paperless verification.
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