IndusInd Bank Duo Card: Debit-cum-Credit Card

IndusInd Bank Duo Credit Card lets you earn reward points on multiple categories, such as travel, lifestyle, shopping and more. Here are some of the key features and benefits of this credit card:

Reward Points on Every Transaction

With Duo Card, you can reward points on your credit card as well as debit card transactions. For every Rs. 150 spent, you will earn 1 reward point. Apart from this, you can also earn the below-mentioned reward points on your first transaction:

Activation*	Reward Points
1st shopping transaction (domestic/ international) using the debit card	100
1st e-commerce transaction (domestic/ international) using the debit card	50
Transaction on internet banking	100
Mobile banking transaction	100
ATM transaction at IndusInd Bank ATM	100
ATM transaction at other bank ATM	50

*All the activation benefits can be availed within 60 days of card issuance or account opening.

Also read: Best Credit Cards for Reward Points

Entertainment Benefits

You can earn free movie tickets worth Rs. 3,000 every year via this card. Additionally, you can also avail Buy 1 and get 1 one free movie ticket offer on your bookings via BookMyShow. However, this offer can be availed once per month i.e. up to 12 times in a year and the price of the free ticket is capped at Rs. 250.

Insurance Benefits

IndusInd Bank Duo Credit Card offers insurance benefits worth Rs. 25 lakh. Below mentioned are the insurance benefits provided by this credit card:

Benefit	Amount
Lost card liability	Rs. 3 lakh
Air accident insurance	Rs. 25 lakh
Personal accident cover	Rs. 2 lakh
Purchase protection	Rs. 50,000
Lost baggage	Rs. 1 lakh
Delayed baggage	Rs. 25,000
Loss of passport	Rs. 50,000
Lost ticket	Rs. 25,000
Missed connection	Rs. 25,000

Other Benefits

Apart from the above-mentioned benefits, you can also avail other benefits, such as fuel surcharge waiver, low forex mark-up fee and more via this credit card. Here are the details regarding the same:

• 1% fuel surcharge waiver of up to Rs. 250 per month on transactions between Rs. 500 to Rs. 3,000
• 2% cross currency mark-up fee
• 24×7 concierge service for pre-trip assistance, hotel reservation, flight booking, exclusive booking and more

Must read: Best Credit Cards in India

The fees and charges associated with this credit card are mentioned in the table below:

Type of Fee or Charge	Amount
Joining Fee	Nil
Annual/ Renewal Fee	Nil
Finance Charges	3.83% p.m. | 46% p.a.
Late Payment Charges	For Statement Balance: Up to Rs. 100: Nil Between Rs. 101 and Rs. 501: Rs. 100 Between Rs. 501 and 1,000: Rs. 350 Between Rs. 1,001 and 10,000: Rs. 550 Between Rs. 10,001 and Rs. 25,000: Rs. 800 Between Rs. 25,001 and Rs. 50,000: Rs. 1,100 Above Rs. 50,000: Rs. 1,300

Suggested read: Best Zero Annual Fee Credit Cards

The applicant must fulfill the below-mentioned eligibility to apply for this credit card:

Criteria	Details
Occupation	Salaried or Self-employed
Age	18-65 years
Citizenship	Indian
Documents Required	Click here for the list of acceptable documents
Serviceable Cities	Click here for the list of eligible cities

IndusInd Bank Duo Credit Card is best suited for people who are looking for a card that can work as both credit as well as a debit card. However, cardholders have to be cautious while using this card as there is a chance of making a mistake while swiping card at the ATM or POS system. Apart from these benefits, you can earn reward points on every purchase. This card also offers entertainment benefits, insurance cover, fuel surcharge waiver and a lot more.

Overall, considering its joining and annual fees, it is a decent card that lets you earn benefits of not only one, but two cards at the same time. You can apply for this credit card if you are looking for a basic credit card with basic features. However, this might not be the best option if you are looking for a credit card that offers benefits on a specific category.

If you are looking for other credit cards, that offers benefits similar to the IndusInd Bank Duo Card, refer to the below table:

Credit Card	Annual Fee	Key Feature
IndusInd Bank Duo Credit Card	Nil	1 reward point for every Rs. 150 spent
Slice Super Credit Card	Nil	2% cashback on every transaction
Axis Ace Credit Card	Rs. 499	5% cashback on bill payment, DTH and mobile recharge*
HDFC MoneyBack Credit Card	Rs. 500	4 points on every Rs. 150 spent online
SBI SimplyCLICK Credit Card	Rs. 499	10X reward points on online spends with partners

*Terms and conditions applicable.

Q. How can I apply for IndusInd Bank Duo Credit Card?

A. You can apply for this credit card through both offline as well as online mode. To apply online, you have to visit the official website of IndusInd Bank and fill out the application form. However, people, who want to apply offline, can visit the nearest branch of IndusInd Bank.

Q. Can I earn reward points on debit card transactions?

A. Yes, IndusInd Bank Duo Card lets you earn reward points on transactions via both credit and debit card. However, the reward points offered on the first transaction through the debit card are much better than the reward points offered on credit card transactions.

Q. What is the interest-free credit period offered on this credit card?

A. The interest-free period offered on this credit card is up to 50 days. However, this interest-free period is not applicable if the total amount due is not paid in full.

Q. Can I withdraw cash using IndusInd Bank Duo Credit Card?

A. Yes, you can withdraw cash using your IndusInd Bank Duo Credit Card. However, the bank will charge a cash advance fee of 2.5% of the withdrawn amount. Therefore, it is advisable not to withdraw cash using a credit card.

Q. Can I earn reward points on fuel transactions?

A. No, you cannot earn reward points on fuel transactions. However, you can avail a fuel surcharge waiver of 1% across all petrol pumps in the country. This waiver can be availed only on transactions between Rs. 500 to Rs. 3,000.

Q. What is the over limit charge for IndusInd Bank Duo Credit Card?

A. The over limit charges for all the IndusInd Bank credit cards is 2.5% of the over limit amount. However, the bank charges a minimum over limit charge of Rs. 500.