MyFinCards
Duo Card

Joining Fee

₹249

Annual Fee

Rs. 0 + Taxes

Forex Markup

2% + GST

INTERNATIONAL
IndusInd Bank
Lifestyle
Rewards
Best For: Customers who want a single card for both credit and debit, Movie lovers, Frequent travelers needing travel insurance

Duo Card

Rewards Structure

Base Reward Rate

0.67% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹2,500 /monthly

Pros

  • First-of-its-kind Credit + Debit combo card in India
  • Free annual fee
  • Low 2% cross currency mark-up
  • Rs. 3,000 worth annual movie tickets
  • Comprehensive insurance coverage on both credit and debit
  • Total Protect fraud coverage up to credit limit

Cons

  • Reward points capped at 2500 per calendar month for cash redemption
  • Add-on/Supplementary cards cannot be issued on DUO Cards
  • Reward rate is low at 1 point per Rs. 150 spent

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Maximum reward points allowed for cash redemption capped at 2500 per calendar month effective 1st September 2024

Free movie ticket capped at Rs. 200 for credit card (effective 1st June 2023)

Certain product features revised from 30th November 2021

Rewards program revised for select merchant categories from 1st August 2019

Key Benefits & Features

Total Protect: Fraud cover up to credit limit, covers unauthorized transactions up to 48 hrs prior to loss reporting and counterfeit fraud.

Dual card with two Magnetic Stripes & EMV Chips combining Credit and Debit functionality in one card.

Official Terms & Conditions

About Duo Card

The IndusInd Bank Duo Card is a first-of-its-kind card in India that uniquely combines the benefits of both a Credit Card and a Debit Card into a single card. Featuring two magnetic stripes and EMV chips, cardholders can simply dip, swipe, or enter the relevant card details to enjoy the convenience, flexibility, and freedom to choose how they pay — all without carrying multiple cards. The Duo Card comes with a rewarding lifestyle program designed to complement everyday spending with maximum flexibility and minimum limitations. Cardholders earn 1 Reward Point for every ₹150 spent, which can be redeemed across a variety of options. Movie enthusiasts will appreciate the ₹3,000 worth of annual movie tickets included with the card, making every trip to the cinema a treat. Additionally, the card offers a competitive 2% cross currency mark-up, making it a practical companion for international travel. With a one-time issuance fee of just ₹249 plus taxes and no annual fee, the Duo Card offers strong value for those seeking a versatile, all-in-one payment solution. Daily limits of ₹1,25,000 at ATMs and ₹2,00,000 at point-of-sale terminals provide ample spending and cash access flexibility, making this card ideal for customers who want a seamless blend of credit and debit card benefits in one convenient package.

Expert Review

Our Verdict

India's first Credit+Debit combo card with movie benefits, travel insurance, and reward points.

Frequently Asked QuestionsAbout Duo Card

OTHERWhat is the IndusInd Bank Duo Card?
The IndusInd Bank Duo Card is a first-of-its-kind card in India that combines the benefits of both a Credit Card and a Debit Card into a single card. It comes with two Magnetic Stripes and EMV Chips, allowing you to dip, swipe, or enter relevant card details to enjoy the convenience and flexibility of choosing how you pay, as well as access cash — all without carrying multiple cards.
FEESWhat are the fees associated with the IndusInd Bank Duo Card?
The IndusInd Bank Duo Card has a one-time issuance fee of ₹249 plus applicable taxes. The annual fee is free, meaning there are no recurring yearly charges to maintain the card. This makes the Duo Card a cost-effective option for customers who want the benefits of both a credit and debit card without paying high annual maintenance charges.
BENEFITSWhat movie benefits does the Duo Card offer?
The IndusInd Bank Duo Card offers ₹3,000 worth of annual movie tickets. Through a Buy One Get One offer on BookMyShow, cardholders can avail this benefit once per month (up to 12 times a year). The free ticket price is capped at ₹250 for the Debit Card, and ₹200 (effective 1st June 2023) for the Credit Card. Tickets are available on a first-come, first-served basis each month.
REWARDSHow do I earn Reward Points on the IndusInd Bank Duo Card?
You earn 1 Reward Point for every ₹150 spent using your IndusInd Bank Duo Card, whether for personal or business purchases. Please note that from 1st August 2019, the Rewards Program was revised for select merchant categories. It is advisable to check the updated reward accrual details on the official IndusInd Bank website or contact customer care for the latest merchant-wise reward earning structure.
REWARDSIs there a cap on Reward Points redemption for cash on the Duo Card?
Yes, effective 1st September 2024, the maximum Reward Points allowed for cash redemption on the IndusInd Bank Duo Card is capped at 2,500 points per calendar month. While you can continue to earn reward points beyond this limit, only 2,500 points can be redeemed for cash in a single calendar month. Other redemption options may still be available — please refer to the official terms and conditions for complete details.
BENEFITSWhat insurance benefits are available on the Duo Debit Card?
The IndusInd Bank Duo Debit Card comes with comprehensive insurance coverage including: Lost Card Liability of up to ₹3,00,000; Air Accident Insurance of up to ₹25,00,000; Personal Accident Insurance of up to ₹2,00,000; and Purchase Protection of up to ₹50,000. Terms and conditions apply. Cardholders are advised to visit the IndusInd Bank website for detailed steps on how to claim each insurance cover.
BENEFITSWhat travel insurance benefits are available on the Duo Credit Card?
The IndusInd Bank Duo Credit Card offers travel insurance in partnership with ICICI Lombard General Insurance. Coverage includes: Lost Baggage (up to ₹1,00,000), Delayed Baggage (up to ₹25,000), Loss of Passport (up to ₹50,000), Lost Ticket (up to ₹25,000), and Missed Connection (up to ₹25,000). These covers are designed to protect cardholders during international and domestic travel. Terms and conditions apply.
BENEFITSWhat is 'Total Protect' on the Duo Credit Card?
'Total Protect' is a first-of-its-kind fraud protection program on the IndusInd Bank Duo Credit Card that covers you for fraudulent transactions up to your full credit limit. It protects against unauthorized transactions in case of loss or theft of the card (covering up to 48 hours prior to reporting the loss) and counterfeit fraud where someone uses stolen card details to create fake plastic. This coverage is also available on add-on cards.
INTERNATIONALWhat is the forex markup on the IndusInd Bank Duo Card?
The IndusInd Bank Duo Card offers a low cross-currency mark-up of just 2% on international transactions. This is relatively competitive compared to many standard credit and debit cards that typically charge 3–3.5% forex markup. This makes the Duo Card a practical choice for customers who travel abroad or make international purchases online, as it helps reduce the cost of foreign currency transactions.
USAGEWhat are the daily transaction limits on the IndusInd Bank Duo Card?
The IndusInd Bank Duo Card comes with the following daily transaction limits: ₹1,25,000 for ATM cash withdrawals and ₹2,00,000 for POS (Point-of-Sale) transactions. These limits are designed to provide flexibility for both everyday purchases and larger transactions. Customers may contact IndusInd Bank customer care or visit a branch if they need to request a limit adjustment based on their requirements.
OTHERCan I get add-on or supplementary cards on the IndusInd Bank Duo Card?
No, supplementary or add-on cards cannot be issued on IndusInd Bank DUO Cards. This is a key limitation of the Duo Card product. If you need add-on cards for family members, you may want to consider other IndusInd Bank credit cards that support supplementary card issuance. Please contact IndusInd Bank customer care or visit the official website for guidance on alternative card options.
BENEFITSIs there a fuel surcharge waiver on the IndusInd Bank Duo Card?
Yes, both the Debit and Credit variants of the Duo Card offer fuel surcharge benefits. For the Duo Debit Card, no fuel surcharge is applicable, subject to Government regulations which may be revised over time. For the Duo Credit Card, a 1% fuel surcharge waiver is available across all petrol pumps in India. Terms and conditions apply, and customers are advised to check the IndusInd Bank website for the latest details.
USAGEHow do I redeem Reward Points on the IndusInd Bank Duo Card?
The IndusInd Bank Duo Card offers a range of exciting redemption options for accumulated Reward Points. You can redeem points for cash credit, among other options. However, note that cash redemption is capped at 2,500 reward points per calendar month effective 1st September 2024. For the full list of redemption options and detailed terms and conditions, visit the 'A Rewarding Life' section on the IndusInd Bank website or contact customer care.
USAGEHow do I avail the BookMyShow movie offer on the Duo Card?
To avail the BookMyShow Buy One Get One movie offer on your Duo Card, visit the BookMyShow website or app and navigate to the 'Avail Offers & Discounts' tab. For the Debit Card, select 'IndusInd Bank Platinum, Select, Exclusive, Signature, Titanium & DUO Debit Card Offer' from the dropdown. For the Credit Card, select 'IndusInd Bank Credit Card Offer'. The offer can be used once per month and tickets are allocated on a first-come, first-served basis.
APPLICATIONHow can I apply for the IndusInd Bank Duo Card?
You can apply for the IndusInd Bank Duo Card online through the IndusInd Bank official website or via the INDIE mobile app. The card is available to both new-to-bank customers and existing IndusInd Bank account holders. New customers can submit an application through the digital process. Existing customers with a Savings Account or Credit Card will have their details updated accordingly. You can also visit the nearest IndusInd Bank branch for assistance with your application.

Related Lifestyle Cards

Explore other premium credit cards that offer similar benefits and rewards.

View all Lifestyle cards
811 Dream Different Credit Card
RewardsCashbackFuel

811 Dream Different Credit Card

Interest-free cash withdrawal up to 48 days; cash withdrawal up to 90% of total credit limit; Rs. 100 processing fee per ATM withdrawal

Credit limit up to 90% of fixed deposit amount; credit limit known upfront at time of application

Joining Fee
N/A
Annual Fee
Rs. 0 + Taxes
ACE Credit Card
Rewards

ACE Credit Card

Detailed benefits inside

Joining Fee
₹499
Annual Fee
₹499
Adani One Platinum
TravelLifestyleRewardsFuel

Adani One Platinum

2 instances of Valet Parking annually at Adani-managed airports

2 instances of Premium car parking on card activation

Joining Fee
₹750
Annual Fee
₹750

More from IndusInd Bank

Discover the full range of credit cards offered by IndusInd Bank to find the perfect fit for your finances.

View all IndusInd Bank cards
Celesta Credit Card
LifestyleRewards

Celesta Credit Card

Visa Infinite Benefits included

Joining Fee
₹1,000
Annual Fee
₹1,000
Club Vistara Explorer Credit Card
TravelRewardsLifestyle

Club Vistara Explorer Credit Card

Complimentary Club Vistara Gold membership (first year): priority check-in, boarding, additional baggage allowance, priority baggage handling

Welcome benefit: Complimentary Business Class ticket voucher + Gift Vouchers worth INR 25,000 on payment of joining fee

Joining Fee
₹40,000
Annual Fee
₹10,000
CRED IndusInd Bank RuPay Credit Card
RewardsShoppingLifestyle

CRED IndusInd Bank RuPay Credit Card

Credit card enabled on UPI via RuPay network. Link to any UPI app and pay via Scan & Pay or UPI ID.

Joining Fee
₹1,000
Annual Fee
₹1,000