MyFinCards
Iconia Amex Credit Card (Discontinued)

Joining Fee

₹3,499

Annual Fee

Rs. 0 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
IndusInd Bank
Rewards
Lifestyle
Travel
Best For: Frequent travelers, Weekend spenders, Lifestyle & dining enthusiasts, Golf players

Iconia Amex Credit Card (Discontinued)

Rewards Structure

Base Reward Rate

1.5% on spends

Point Value

1 Point = ₹0.75

Pros

  • Weekend bonus reward points (2x on Sat & Sun)
  • Complimentary Priority Pass for 600+ global lounges
  • Nil annual renewal fee
  • Nil add-on card fee
  • 24x7 global concierge service
  • Travel insurance cover included
  • Buy 1 Get 1 movie ticket on BookMyShow
  • Total Protect fraud insurance up to credit limit
  • 1% fuel surcharge waiver

Cons

  • Card discontinued for new applicants
  • No reward points on fuel transactions
  • Cash redemption value lower (1 RP = Rs 0.50) vs non-cash (1 RP = Rs 0.75)
  • Cash redemption capped at 5000 points per calendar month
  • High interest rate annually (46%)
  • Priority pass per-visit charge of USD 27 beyond complimentary usage
  • Club Vistara airmiles redemption discontinued from Oct 2024
  • InterMiles redemption discontinued from Jan 2025

Hidden Catches (Transparency Policy)

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

Reward points cap of 5000 for cash redemption per calendar month effective 1st Sep 2024

Non-cash redemption value reduced to 1 RP = Rs 0.75 from 1st March 2024

Cash redemption value reduced to 1 RP = Rs 0.50 from 1st March 2024

No reward points accrual on fuel transactions

Welcome gift only applicable on select fee plans

Free movie ticket capped at Rs 200 value

Key Benefits & Features

Auto Assist: roadside repair, emergency fuel, flat tire, battery service, towing, accident & medical assistance

Travel Plus Program: max 8 lounge usages/year outside India with travel insurance; saves approx Rs 12,960 p.a.

Eligibility Criteria

Min. Annual Income

₹3.6 Lakhs

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

ADDRESS Proof

Aadhaar Card
Voter's ID
Driving License
Passport

INCOME Proof

Last 3 months bank statement (Salaried)
Last 3 months salary slip (Salaried)
Other bank's credit card details (Salaried)
Latest ITR copy (Self-Employed)
Other bank's credit card details (Self-Employed)

IDENTITY Proof

PAN Card
Aadhaar Card
Photograph
Voter's ID
Driving License
Passport

Notable Exclusions

No reward points on fuel transactionsRevised rewards for select merchant categories

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Iconia Amex Credit Card (Discontinued)

The IndusInd Bank Iconia American Express Credit Card is a premium lifestyle card designed to cater to frequent travelers, weekend spenders, and those who appreciate refined experiences. Built around a best-in-class rewards programme, the card earns 2 Reward Points for every Rs. 100 spent on weekends and 1.5 Reward Points on weekdays, making it especially rewarding for regular spenders. Cardholders also enjoy complimentary access to Amex lounges and a 1% fuel surcharge waiver at fuel stations across India. Travel benefits are a standout feature, with complimentary Priority Pass membership granting access to over 600 airport lounges worldwide, along with the Travel Plus Programme that includes travel insurance covering lost baggage, delayed baggage, loss of passport, missed connections, and lost tickets. A dedicated 24/7 concierge service assists with hotel reservations, flight bookings, sports and entertainment ticketing, and gift deliveries from anywhere in the world. Lifestyle perks include a buy-one-get-one movie ticket offer via BookMyShow, exclusive Montblanc brand privileges, access to The Postcard Hotel luxury properties, and discount vouchers through Vouchagram across brands like Amazon, Flipkart, and Uber. The card also features roadside auto assist and Total Protect fraud insurance. Please note this card has been discontinued for new applicants and is referenced for existing cardholders only.

Expert Review

Our Verdict

Premium Amex card with weekend bonus rewards, golf, travel & lifestyle privileges for discerning spenders.

Frequently Asked QuestionsAbout Iconia Amex Credit Card (Discontinued)

FEESWhat is the joining fee for the IndusInd Bank Iconia Amex Credit Card?
The IndusInd Bank Iconia Amex Credit Card has a one-time issuance/joining fee of ₹3,499. Importantly, there is no annual renewal fee, meaning you only pay at the time of card issuance. Add-on cards are also issued at no additional cost. Please note that GST will be applicable on applicable charges as per the current rate notified by the Ministry of Finance, Government of India.
OTHERIs the Iconia Amex Credit Card still available for new applicants?
No, the IndusInd Bank Iconia Amex Credit Card has been discontinued for new applicants. The product page is maintained only as a reference for existing cardholders. If you are looking for a new credit card, IndusInd Bank offers a range of other credit card products that may match your lifestyle needs, such as the Legend Credit Card or other available options.
ELIGIBILITYWhat are the income eligibility criteria for the Iconia Amex Credit Card?
To be eligible for the IndusInd Bank Iconia Amex Credit Card, the minimum annual income requirements are: For salaried individuals, a minimum annual income of ₹3,60,000 per annum; and for self-employed individuals, a minimum annual income of ₹4,80,000 per annum (as per ITR). Meeting these income thresholds is a key eligibility criterion for card approval.
DOCUMENTSWhat documents are required to apply for the Iconia Amex Credit Card?
The required documents include KYC documents such as PAN card, Aadhaar card, and a photograph (mandatory). If your communication address differs from your Aadhaar card, additional address proofs like a Voter's ID, Driving License, or Passport are accepted. For income proof, salaried individuals must provide the last 3 months' bank statement and salary slips, while self-employed individuals must submit the latest ITR. All documents must be self-attested.
REWARDSHow many reward points do I earn on weekdays and weekends?
With the Iconia Amex Credit Card, you earn 1.5 Reward Points for every ₹100 spent on weekdays (Monday to Friday) and 2 Reward Points for every ₹100 spent on weekends (Saturday and Sunday). Transactions are classified as weekday or weekend based on the transaction date — the date on which you swipe your card. Please note that fuel transactions do not accrue reward points effective 1st April 2018.
REWARDSWhat is the redemption value of reward points on the Iconia Amex Credit Card?
Effective 1st March 2024, the reward point redemption values are: For non-cash redemptions (excluding airmiles), 1 Reward Point = ₹0.75; and for cash redemptions, 1 Reward Point = ₹0.50. Additionally, effective 1st September 2024, the maximum reward points allowed for cash redemption is capped at 5,000 points per calendar month. Non-cash redemption options include IndusMoments and KrisFlyer airline miles.
BENEFITSWhat airport lounge access benefits does the Iconia Amex Credit Card offer?
The Iconia Amex Credit Card provides a complimentary Priority Pass membership, giving you access to 600+ airport lounges across the globe. The annual value of this membership is approximately ₹9,900 (USD 198). Beyond complimentary usage, additional lounge visits attract a per-visit charge of up to USD 27 per person. The card also offers the Travel Plus Program, which provides a maximum of 8 complimentary lounge usages per year for international lounges outside India.
BENEFITSWhat travel insurance cover is included with the Iconia Amex Credit Card?
The Iconia Amex Credit Card includes a travel insurance cover provided in partnership with ICICI Lombard General Insurance Company. The 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. This insurance is part of the Travel Plus Program and provides cardholders with comprehensive protection during their travels.
BENEFITSDoes the Iconia Amex Credit Card offer any movie benefits?
Yes, the Iconia Amex Credit Card offers a Buy 1 Get 1 free movie ticket offer via BookMyShow. Cardholders can avail of one free movie ticket per month across all major cities. The offer is valid on all theatres through BookMyShow. Please note that the price of the free ticket is capped at ₹200; if the second ticket is priced above ₹200, the cardholder must pay the remaining amount using their IndusInd Bank Credit Card.
INTERNATIONALWhat is the forex markup fee for international transactions on the Iconia Amex Credit Card?
The Iconia Amex Credit Card charges 3.5% of the transaction amount as the overseas transaction fee, along with applicable dynamic currency conversion charges. This markup applies to all international transactions made using the card. If you frequently travel abroad or make international purchases, it is advisable to factor in this cost. The card does operate on the American Express (AMEX) network, which is accepted at select international merchants.
BENEFITSWhat fraud protection does the Iconia Amex Credit Card provide?
The Iconia Amex Credit Card includes a 'Total Protect' program, which is a fraud insurance cover up to the cardholder's credit limit. This protection is also available on add-on cards. It covers unauthorized transactions in case of loss or theft of the card (including coverage up to 48 hours prior to reporting the loss to the bank) and counterfeit fraud, where card details may be misused to produce duplicate cards.
FEESWhat is the interest rate on the Iconia Amex Credit Card for outstanding balances?
The Iconia Amex Credit Card carries a monthly interest rate of 3.83% on outstanding balances in case of partial bill payment, which translates to an annual interest rate of 46%. The card offers an interest-free period of up to 50 days from the date the credit card statement is generated. However, this interest-free tenure is not applicable if the total amount due is not paid in full by the due date.
BENEFITSIs there a fuel surcharge waiver on the Iconia Amex Credit Card?
Yes, the Iconia Amex Credit Card offers a 1% fuel surcharge waiver at any fuel station across India. However, it is important to note that fuel transactions do not earn any reward points effective 1st April 2018. So while you save on the surcharge, fuel spends will not contribute to your rewards balance. The fuel surcharge waiver applies across all fuel stations in India.
USAGEWhat are the available reward point redemption options, and have any been discontinued?
Reward points on the Iconia Amex Credit Card can be redeemed via IndusMoments (lifestyle and travel rewards), KrisFlyer airline miles, and cash credit. However, two redemption options have been discontinued: Club Vistara airmiles redemption was discontinued effective 31st October 2024, and InterMiles redemption was discontinued effective 21st January 2025. Cardholders should plan their redemptions accordingly and explore the remaining available options on the IndusMoments portal.
USAGEHow can I pay my Iconia Amex Credit Card bill?
You can pay your Iconia Amex Credit Card bill through multiple options: Mobile Banking via the IndusInd INDIE app, Internet Banking through the IndusInd Bank portal, Cheque or Draft drop boxes at branches and ATMs, NACH Facility by submitting a duly filled NACH form to authorize debit from another bank account, and Auto Debit Facility by submitting a mandate form to authorize debit from your IndusInd Bank account. For assistance, contact the helpdesk at 1860 267 7777.

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