CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
IndusInd Bank

IndusInd Signature Debit Card

21
Ranked #60 of 66 in debit
debitVisaPremium

IndusInd Bank's premium Signature debit card offering strong activation bonuses and comprehensive insurance coverage, though with an unusually high Rs5,000 joining fee for a debit product.

Score breakdown

Data completeness: 75% · Last verified: 09 Jul 2026

Reward value5/100 · weight 71%
≈ 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 12%
Redemption flexibility75/100 · weight 9%
Perks16/100 · weight 9%

Fees

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

Joining fee
₹5,000 + 18% GST
= ₹5,900 total
Annual fee
₹1,500 + 18% GST
= ₹1,770 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
travelpoints0.27%(1.06 pts @ ₹0.25)—5 Points per Rs 200 via travel portal bookings inside IndusNet
all_spendspoints0.22%(0.88 pts @ ₹0.25)——

Welcome offer

500 points on first swipe; 200 bonus points on ATM activation; 100 bonus points on mobile banking activation; 200 bonus points on net banking activation

Milestone benefits

Pros

  • High joining welcome bonus potential (500+200+100+200 = 1,000 points across activation steps)
  • solid insurance suite
  • good daily limits (Rs3L purchase, Rs1.5L ATM)

Cons

  • High Rs5,000 joining fee for a debit card is unusual and steep

What's inside

More benefits

  • BookMyShow BOGO

    ₹6,000

    Buy One Get One Free on BookMyShow, up to ₹500/month

    Cap ₹6,000 / monthly.

Insurance cover

text
₹NaN

Eligibility

text
IndusInd Bank savings account holder

Small print

Redemption fee
₹149 / redemption
Fuel surcharge:Not a highlighted benefit