Corroborated — 2 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.

#49 of 70 in debit

IndusInd Bank

IndusInd Signature Debit Card

debitVisapremium

Visa signature properties featuring robust discount limits and BOGO movie ticket capabilities.

Score breakdown

Data completeness: 60% · Last verified: 06 Jul 2026

Reward value5/100 · weight 65%

≈ 0.22% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency87/100 · weight 11%

Redemption flexibility78/100 · weight 8%

Perks53/100 · weight 8%

Devaluation risk70/100 · weight 8%

All fees shown base + 18% GST (India card fees legally attract GST).

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Category	Type	Rate	Cap	Notes
travel	points	0.27%(1.06 pts @ ₹0.25)	—	5 Points per Rs 200 via travel portal bookings inside IndusNet
all_spends	points	0.22%(0.88 pts @ ₹0.25)	—	—

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

cash credit	1 RP = ₹0.75
krisflyer miles	1 RP = ₹0.50
maharaja club points	1 RP = ₹0.50
gyftr vouchers (amazon/flipkart/etc)	1 RP = ₹1.00
gift cards/vouchers via xtrasmiles portal	1 RP = ₹1.00

₹1,000 worth of XtraSmiles Points by doing purchase within 30 days of card issuance

High reward points on online transactions, especially e-commerce.
Excellent cash redemption value for reward points.
Generous movie benefits with a "Buy 1 Get 1 Free" offer thrice a month.
Comprehensive travel benefits including complimentary Priority Pass membership, international and domestic lounge access, and extensive travel insurance.
Significant golf privileges with complimentary games and lessons monthly, plus Hole-in-One insurance.
Robust insurance coverage, including "Total Protect" for card security and a high air accident cover.
Fuel surcharge waiver across India.
Exclusive welcome benefits allowing choice from luxury brands, hotels, or vouchers.
No renewal fee makes it cost-effective in the long run after the initial joining fee.

The initial joining fee of ₹15,000 + GST can be substantial.
Reward point accrual rates are lower for non-e-commerce, PoS, MoTo, IVR, and standing instruction transactions.
Specific reward program revisions and discontinuations for certain airline miles

BookMyShow BOGO
₹6,000
Buy One Get One Free on BookMyShow, up to ₹500/month
Cap ₹6,000 / monthly.