Ultra-Luxury 22K Gold & Diamond-Embedded Metal Credit Card by Invitation Only
Ultra-high-net-worth individuals, business magnates, and top corporate leaders seeking peerless bespoke luxury, unlimited worldwide lounge comfort, and fine dining.
₹75,000
One-time upfront₹10,000
Waived on ₹10 lakh annual spend1.5 Reward Points/₹100 Spent
On eligible spends24 Domestic + 16 International visits/year · ₹5L quarterly spend required (Domestic)
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IndusInd Bank Indulge Credit Card is widely recognized as one of India's most extraordinary statement credit cards. Handcrafted in brushed metal with an authentic 22-karat gold inlay and an embedded certified natural diamond, the card is available strictly by invitation to India's ultra-high-net-worth business icons, royalty, and industry leaders. It requires an initiation fee of ₹75,000 plus GST, accompanied by an annual maintenance fee of ₹10,000 plus GST (waived on ₹10,00,000 yearly spends). Beyond its striking physical opulence, the Indulge card provides an unparalleled human concierge infrastructure: cardholders receive direct access to a dedicated 24/7 Indulge Concierge desk capable of arranging private jet charters, luxury superyacht bookings, and VIP reservations at Michelin-starred restaurants worldwide. Travel benefits include unlimited complimentary domestic and international airport lounge access globally via Priority Pass for cardholders and accompanying guests, combined with a discounted 1.80% foreign currency markup. Entertainment privileges feature buy-one-get-one-free movie tickets on BookMyShow up to ₹500 (3 times per month) and complimentary golf rounds at premier championship clubs. The IndusInd Indulge Card is not measured by retail cashback percentages; it is an exclusive symbol of supreme financial standing and bespoke international privilege.
1.5 Reward Points/₹100 Spent
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| All Retail Spends | 1.5 Reward Points per Rs 100 spent on all retail transactions (1.125% 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 |
|---|---|---|---|---|---|---|
| All Retail Spends | ₹30,000 | 1.5 Reward Points per Rs 100 spent on all retail transactions (1.125% 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-₹10,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Strictly by-invitation only for Ultra-High-Net-Worth individuals and business leaders. • Craftsmanship: Handcrafted metal card embedded with a certified natural diamond and 22-karat gold inlay. • Joining & Annual Fee: ₹75,00,00 (₹75,000) one-time initiation fee; ₹10,000 annual fee (waived on spends of ₹10,00,000 or more). • Airport Lounge Access: Unlimited complimentary domestic and international airport lounge access via Priority Pass with guest allowance. • Luxury Concierge: 24/7 bespoke Indulge Concierge for private aviation, luxury yacht bookings, and global VIP dining. • Reduced Forex Markup: Preferential foreign exchange transaction markup of 1.80% + GST. • Cinema Privileges: Buy-one-get-one-free movie tickets on BookMyShow up to ₹500 (up to 3 free tickets monthly). • Golf Privileges: Unlimited complimentary golf green fee access and coaching sessions across premier golf clubs in India.
Evaluate whether this card's perks and waiver threshold justify its ₹10,000 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 Indulge 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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