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

IndusInd Titanium Debit Card

22
Ranked #58 of 66 in debit
debitMastercardEntry-Mid

IndusInd Bank's entry-mid Titanium debit card offering a strong 5% reward rate and a unique Delhi Metro-integrated variant (Titanium Metro), with solid fuel surcharge waiver terms.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value6/100 · weight 71%
≈ 0.29% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks0/100 · weight 9%

Fees

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

Joining fee
₹499 + 18% GST
= ₹589 total
Annual fee
₹499 + 18% GST
= ₹589 / 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
groceriespoints0.50%(2 pts @ ₹0.25)—2 Points per Rs 200 on Grocery and Supermarket buys
all_spendspoints0.25%(1 pts @ ₹0.25)—1 Point per Rs 200 on remaining offline spends

Welcome offer

None specified

Milestone benefits

Pros

  • Strong 5% reward rate for a mid-tier debit card
  • Titanium Metro variant's unique Delhi Metro smart-card integration
  • 1.25% fuel surcharge waiver

Cons

  • No lounge access
  • 4,00,000 merchant location reach domestic (limited vs premium tiers)

Insurance cover

text
₹NaN

Eligibility

text
IndusInd Bank savings account holder

Small print

Fuel surcharge:1.25% fuel surcharge waiver, capped Rs125/month