Interested in financial products

IndusInd Bank Credit Card Reward Points

In an innovative attempt, IndusInd bank is providing a world class experience to its customers through Indus Moments. It is an exclusive e-commerce store, only for IndusInd customers. Not only do you get to shop online for latest apparel, lifestyle products and electronics but also you earn reward points on using your credit card to shop. The bank has partnered with Loylty Rewardz to run this program and set up the online store wherein you can also redeem the IndusInd Bank reward points. These IndusInd bank credit card reward pints can be redeemed against many items listed by the bank. The IndusInd bank credit card reward points redemption can be done on lifestyle products, education and stationery, home and kitchen and many more.

How can I earn IndusInd Bank credit card reward points?

If you own an IndusInd credit card, you are eligible to earn IndusInd Bank reward points on using it for various transactions. You will need to register yourself in the Indus Moments program to start earning reward points. This can be done by clicking on the “Register” icon on their website and fill in basic details. Once you have enrolled as a member of the loyalty program, you can earn reward from IndusInd Bank by simply using the card for your purchases.

Indus Moments also runs an online store wherein you can shop as well as earn IndusInd bank reward points for the same transactions. You can use a combination of the reward points and the card to buy a product of your choice.

IndusInd bank has various types of credit cards to suit the needs of different individual. The credit card reward point system on each type of card has been mentioned below:

Super Premium Credit Cards

This super premium range of credit cards are available on an invite-only basis by the bank. This range offers 3 types of credit cards:

  • Indulge credit card (comes with 22-carat gold inlay and no pre-set spending limit)
  • Crest credit card (suited for pleasures of life like travel, dining, lifestyle benefits, wellness and lounge)
  • Pinnacle credit card (comprehensive range of travel, lifestyle and golf privileges)

The IndusInd bank Pinnacle credit card rewards program allows you to earn your points faster and two options to redeem as per your convenience.

  • 2.5 Reward Points for every Rs.100 spent online (E-commerce transactions)
  • Online transactions on Travel and Airlines portal are excluded from Ecommerce transaction for the purpose of reward earning and will earn 1 reward points for every Rs.100 spent
  • Reward Point for every Rs.100 spent at the Point of Sale (POS) terminals
    • MoTo transactions, IVR transactions and Standing Instructions will be classified as Point of Sale Transactions
    • The maximum number of reward points that can be redeemed in one statement cycle is 25,000 reward points for IndusInd Bank Pinnacle Credit Card for Cash Credit option.
  • Effective April 2018, E-com Travel and Airlines txns. Will earn 1.5 reward points for every INR.100 spent and E-com Utility txns. will earn 1 reward point for every INR.100 spent

Pioneer Credit Cards

There are two types of Pioneer credit cards.

  • Pioneer Heritage credit card
  • Pioneer Legacy credit card

The IndusInd bank Pioneer Heritage credit card redefines luxury, privilege, rewards and conveniences. The card comes with the chip-based contactless feature that enable you to swipe the card swiftly. The rewards program for this credit card is called as Pioneer Heritage Rewards. You can earn points by swiping the card for making payments.


2.5 Reward Points on every ₹ 100 spent on international transactions


1 Reward point on every ₹ 100 spent on domestic transactions

Redemption Options

Walk away with best-in-class offers from IndusMoments

Indulge in luxurious stays with Oberoi Hotels & Resorts Stay vouchers

Splurge with your Genesis Luxury Vouchers

Fly higher with Airline Miles on partner airlines

Convert your Reward Points to Air miles with Airline Partners in the ratio of 1 Reward Point = 1 Air mile

Get Cash Credit in the ratio of 1 Reward Point = ₹ 1

The Pioneer Legacy credit card has been created to suit your needs, luxury brands that design your lifetime experiences and enchant you with world-class privileges on travel, shopping and dining. With this card you are entitled to a bonus reward of 6000 points on spending Rs. 6 lakh or above within one year from the date of issue.

Premium Credit cards

These type of credit cards offers the holders with the finest travel, dining and lifestyle privileges. An extravagant reward point earning rate along with quicker redemption options are available.

Earning Reward Points

Legend Credit Card

Weekday spends: Rs 100 spent = 1 reward point

Weekend spends: Rs 100 spent = 2 reward points

Transactions will be classified as weekday/weekend as per transaction date and will reflect in your credit card account accordingly. ‘Transaction date’ is defined as the date on which you swipe your card for a particular transaction.

Transactions made on Monday, Tuesday, Wednesday, Thursday, Friday are termed as weekday transactions

Transactions made on Saturday and Sunday are termed as weekend transactions

Signature Credit CardFor every Rs.100 spent on your IndusInd Bank Signature Credit Card, you get 1.5 Reward Points.Can be used anywhere to earn the reward points
Platinum Credit cardFor every INR 150 spent on your IndusInd Bank Platinum Credit Card, you get 1.5 Reward Points.
Platinum Select Credit cardFor every Rs. 150 spent on your IndusInd Bank Platinum Select Credit Card, you get 1 Reward Point
Platinum Aura Edge Credit Card

Departmental store spends – 4 savings points

Consumer durables -2 savings points

Restaurant bills – 1.5 savings points

Books – 1.5 savings points

All other spends - 0.5 savings points

(per Rs. 100 spent)

1 savings points =0.5 air mile

Platinum Aura Credit Card

Departmental store spends – 4 savings points

Consumer durables -2 savings points

Restaurant bills – 1.5 savings points

Books – 1.5 savings points

All other spends - 0.5 savings points

(per Rs. 100 spent)

1 savings points =0.5 air mile

How does IndusInd bank credit card reward points redemption work?

You can conduct the IndusInd bank credit card rewards points redemption online as well as call the phone banking number 1860 267 777 to place a request stating your choice. There are broadly five categories that have been defined by the bank:

  • IndusMoments (shopping and merchandise)
  • Oberoi Hotels & Resorts Stay vouchers
  • Genesis Luxury vouchers
  • Airline Miles on partner airlines
  • Cash credit

The value of the Reward Points for the purpose of redemption is as under:

Reward PointsRedemption Option
50,0001 Oberoi Hotels & Resorts Stay Voucher
50,000Genesis Luxury vouchers worth INR 25,000
10050 Miles on partner airlines
1INR 0.50 of cash value

Minimum reward points required for redemption towards cash credit and airline miles per eligible card variant is as follows

ProductCash Credit Airline miles
IndusInd Bank Indulge Credit Card500500
IndusInd Bank Pinnacle Credit Card500500
IndusInd Bank Signature Credit Card500500
IndusInd Bank Platinum Credit Card500500
IndusInd Bank Platinum Select Credit Card500500
IndusInd Bank Platinum Aura Credit Card5001000
IndusInd Bank Chelsea FC Credit Card5001250
IndusInd Bank Iconia Amex/ VISA Credit Card500500

What you can redeem from IndusInd bank Rewards Points

Members of the Indus Moments program can redeem their reward points to get free gifts, merchandise and services that are available on the Indus Moments credit card reward points gift list. It includes:

  • Shopping merchandise – Book, Stationery, Personal Care & Beauty, Home & Kitchen, Travel, Electronics, Cameras, Mobile Phones, Fashion, Gift Vouchers
  • Dining options
  • Seasonal deals
  • Spa & Wellness
  • Vouchers
  • Travel
  • Lifestyle

IndusInd credit card reward points catalogue is dynamic and gets updated on a continuous basis. New products and services get added and some existing ones get removed

Terms & Conditions for Indus Moments

IndusInd bank credit card holders are not bound to participate in the offers available at Indus Moments. This is completely voluntary.

Delinquent and over limit cardholders will be disqualified.

The offer is valid only on online transactions.

No two offers can be availed at the same time.

Orders once confirmed cannot be cancelled or varied.

The products will be delivered to the address provided by the Cardholder at the time of making the purchase irrespective to the registered mailing address of the Cardholder.

Usage of Gift Vouchers purchased / redeemed at Indus Moments will be governed by the Terms and Conditions of the issuer of such Gift Vouchers.

Above offer is by way of a special facility for IBL Cardholders only and nothing contained herein shall prejudice or affect the terms and conditions of the Cardholder's agreement. The terms of the above offer shall be in addition to and not in derogation of the terms contained in the Cardholder's Agreement.

All disputes, if any, arising out of or in connection with or as a result of above offer or otherwise relating hereto shall be subject to the exclusive jurisdiction of the competent courts / tribunals in Mumbai only, irrespective of whether courts / tribunals in other areas have concurrent or similar jurisdiction.

The Cardholders will not hold IBL responsible for, or liable for, any actions, claims, demands, losses, damages, costs, charges and expenses which a Cardholder may suffer, sustain or incur by way of participation in the above offer.

IBL does not guarantee and make any representation about the usefulness, worthiness and/or character of the discount / benefit or of the Products/Services under the Offer provided at Indus Moments.

Any tax or other liabilities or charges payable to the government or any other statutory authority/body or any participating establishment, which may arise or accrue to the IBL Credit Cardholder due to provision of the Offer, shall be levied to the account of the IBL Cardholder.

All issues / queries / complaints / grievances relating to the Offer, if any, shall be addressed to Indus Moments directly without any reference to IBL. The same shall be addressed by Indus Moments.

The Offer is not available wherever prohibited and / or on products / services for which such offers cannot be made available for any reason whatsoever.

IBL / Indus Moments reserves the right at any time, without prior notice, to add, alter, modify, change or vary all or any of these Terms and Conditions or to replace wholly or in part, the above offer by another offer, whether similar to above offer or not, or to withdraw it altogether.

Refund Policy: In the event of any defect found in goods, the Customer shall be required to call 'Indus Moments' call centre within 48 hours of the products delivered. However, in case of failure to do so, the product shall be considered as used and your request shall stand as rejected. In case of exchange/ return of product, all the cost of courier or any charges would be borne by the Customer. However if the product needs replacement due to defect or transit damage the courier charges would be borne by "Indus Moments". Replacement will be done in such cases within 15 days and refund is only if replacement is not possible. The refund policy is only applicable to cash-only transactions. For redemption and redemption + shopping it will be the replacement of the product.

Frequently Asked Questions

1. How do I shop?

To know your accumulated reward points on your credit card, please call the IndusInd Bank helpline at 1860 267 7777. Once you know your accumulated reward points that are available for redemption, you can proceed by clicking on any of the 2 tabs on the home page i.e. Redemption or Redemption + Shopping (only available for credit card).

If you select the option - Redemption, you can redeem your reward points for the products available across categories.

If you select - Redemption + Shopping, you can shop by redeeming your accumulated reward points & pay for the differential amount using your IndusInd Bank Credit Cards.

2. If I don’t like the product that has been ordered through redemption, can I return it and get my rewards back?

No. Reward points once claimed cannot be reversed.

3. If the product chosen by me is not available, will my reward points get credited back?

Yes, in case the product is not available, then your reward points will be credited back into your account.

4. What are the timings of the Indus Moments call centre?

You can call Indus Moments contact centre between Monday to Saturday 9:00AM to 6:00PM

×Thank you! Your comment will be reviewed and posted shortly.