MyFinCards
Iconia Visa Credit Card (Discontinued)

Joining Fee

₹3,499

Annual Fee

Rs. 0 + Taxes

Forex Markup

3.5% + GST

INTERNATIONAL
IndusInd Bank
Rewards
Travel
Lifestyle
Best For: Frequent international travelers, Lifestyle spenders, Golf enthusiasts

Iconia Visa Credit Card (Discontinued)

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Pros

  • Lifetime free annual renewal (no renewal fee)
  • Priority Pass for cardholder and add-on holder with 700+ lounges
  • Weekend reward acceleration
  • Comprehensive travel insurance cover
  • Buy 1 Get 1 movie ticket monthly
  • 1% fuel surcharge waiver
  • Total Protect fraud insurance up to credit limit

Cons

  • Discontinued product, no new applications accepted
  • Fuel transactions earn no reward points
  • Travel Plus lounge waiver requires additional Rs 5,000 annual fee
  • Cash redemption value lower than non-cash (Rs 0.50 vs Rs 0.75 per RP)
  • Free movie ticket capped at Rs 200

Hidden Catches (Transparency Policy)

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

Travel Plus programme requires additional Rs 5,000 annual fee for lounge access

Reward points not earned on fuel effective April 2018

Max 5000 reward points allowed for cash redemption per calendar month from Sept 2024

Club Vistara airmiles redemption discontinued effective 31st Oct 2024

InterMiles redemption discontinued effective 21st January 2025

Welcome gift only applicable on select fee plan

Key Benefits & Features

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

Welcome gift via Vouchagram: discount vouchers from brands like Amazon, Flipkart, Big Bazaar, Zee5, Apollo Pharmacy, Uber, Ola (select fee plan only)

Eligibility Criteria

Min. Annual Income

₹3.6 Lakhs

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card
Photograph

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)

Notable Exclusions

No reward points on fuel transactionsRevised rewards programme for select merchant categories

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

Official Terms & Conditions

About Iconia Visa Credit Card (Discontinued)

The IndusInd Bank Iconia Visa Credit Card is a premium lifestyle card designed to cater to discerning cardholders seeking world-class privileges across travel, golf, and everyday lifestyle experiences. Though now discontinued for new applicants, the card continues to serve existing cardholders with its comprehensive suite of benefits. It carries a one-time issuance fee of Rs 3,499 with no annual renewal fee, making it a compelling long-term proposition for those who qualify. The card features a best-in-class rewards programme, earning 1 Reward Point per Rs 100 spent on weekends and 0.75 Reward Points on weekdays, with flexible redemption options including airmiles, IndusMoments, and cash credit. Cardholders enjoy complimentary Priority Pass membership with access to over 700 international lounges, buy-one-get-one movie ticket offers via BookMyShow, and a 1% fuel surcharge waiver across India. Travel insurance coverage, concierge services, and roadside auto assistance further enhance its value. Additional lifestyle privileges include access to Montblanc store benefits, exclusive hotel experiences through The Postcard Hotel, and discount vouchers across leading brands via Vouchagram. Comprehensive card protection through the Total Protect programme safeguards against unauthorised transactions. With an estimated annual savings of over Rs 26,500, the Iconia Visa Credit Card delivers exceptional value for frequent travellers and lifestyle enthusiasts alike.

Expert Review

Our Verdict

Discontinued lifestyle card with golf, travel & Priority Pass perks, weekend reward boosts, and movie benefits.

Frequently Asked QuestionsAbout Iconia Visa Credit Card (Discontinued)

OTHERIs the IndusInd Bank Iconia Visa Credit Card still available for new applications?
No, the IndusInd Bank Iconia Visa Credit Card has been discontinued for new sourcing. The card 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 the Nexxt Credit Card.
FEESWhat is the joining fee for the Iconia Visa Credit Card?
The issuance (joining) fee for the IndusInd Bank Iconia Visa Credit Card is Rs 3,499. There is no annual renewal fee, making it effectively a lifetime-free card after the initial joining fee. Add-on cards are also issued at no additional charge.
FEESWhat is the annual renewal fee for the Iconia Visa Credit Card?
The Iconia Visa Credit Card has no annual renewal fee (Nil), meaning once you pay the one-time joining fee of Rs 3,499, you can continue to enjoy the card's benefits for a lifetime without worrying about yearly renewal charges. Add-on cards are also free of any annual fee.
REWARDSHow many reward points do I earn on weekday and weekend spends?
With the Iconia Visa Credit Card, you earn 0.75 Reward Points for every Rs 100 spent on weekdays (Monday to Friday) and 1 Reward Point for every Rs 100 spent on weekends (Saturday and Sunday). This applies to both domestic and international transactions. Please note that fuel transactions do not accrue reward points effective 1st April 2018.
REWARDSWhat is the redemption value of reward points earned on the Iconia Visa Credit Card?
Effective 1st March 2024, the value of non-cash redemptions (excluding airmiles) is 1 RP = Rs 0.75, and the value of cash redemptions is 1 RP = Rs 0.50. Additionally, from 1st September 2024, a maximum of 5,000 reward points are allowed for cash redemption per calendar month. Points can be redeemed via IndusMoments, airline miles (KrisFlyer), or as cash credit.
BENEFITSWhat lounge access benefits does the Iconia Visa Credit Card offer?
The Iconia Visa Credit Card provides Priority Pass Membership for both the primary cardholder and the add-on cardholder, granting access to 700+ airport lounges across the world. Additionally, the Travel Plus programme, available at an annual fee of Rs 5,000, waives lounge usage charges of $27 for a maximum of 8 international travels per year. Note: These benefits are not applicable on Amex cards.
BENEFITSWhat movie benefits does the Iconia Visa Credit Card offer?
Iconia Visa Credit Card holders can enjoy a Buy 1 Get 1 free movie ticket offer via BookMyShow every month. A cardholder can avail of one free ticket per month, valid on all theatres across major cities. The free ticket value is capped at Rs 200 — if the second ticket costs more than Rs 200, the cardholder must pay the remaining amount using their IndusInd Bank Credit Card.
BENEFITSWhat travel insurance cover does the Iconia Visa Credit Card provide?
The Iconia Visa Credit Card offers comprehensive travel insurance in partnership with ICICI Lombard General Insurance. The coverage includes: Lost Baggage up to Rs 1,00,000; Delayed Baggage up to Rs 25,000; Loss of Passport up to Rs 50,000; Lost Ticket up to Rs 25,000; and Missed Connection up to Rs 25,000. This makes the card a reliable companion for frequent travelers.
BENEFITSWhat fraud protection does the Iconia Visa Credit Card offer?
The card comes with 'Total Protect', a fraud insurance programme that covers you for unauthorized transactions up to your full credit limit. It covers losses from card loss or theft (up to 48 hours prior to reporting the loss to IndusInd Bank) and counterfeit fraud where lost card details are misused. This protection also extends to add-on cardholders.
BENEFITSWhat is the fuel surcharge waiver on the Iconia Visa Credit Card?
The Iconia Visa Credit Card offers a 1% fuel surcharge waiver at any fuel station across India. However, please note that fuel transactions do not earn reward points effective 1st April 2018. Also, any service tax levied on the fuel surcharge (if applicable) will not be waived and must be borne by the cardholder.
ELIGIBILITYWhat are the eligibility criteria for the Iconia Visa Credit Card?
To be eligible for the IndusInd Bank Iconia Visa Credit Card, salaried individuals must have a minimum annual income of Rs 3,60,000, while self-employed individuals must have a minimum annual income of Rs 4,80,000. Applicants must submit KYC documents including PAN card, Aadhaar card, and photograph, along with income documents such as the last 3 months' salary slips or bank statements. Note: This card is discontinued for new applications.
DOCUMENTSWhat documents are required to apply for the Iconia Visa Credit Card?
The required documents include KYC documents — PAN card, Aadhaar card, and a photograph (mandatory). If your communication address differs from your Aadhaar, other address proofs like Voter's ID, Driving License, or Passport are acceptable. For income proof, salaried individuals need to provide the last 3 months' bank statements and salary slips, while self-employed individuals must submit their latest ITR. All documents must be self-attested.
INTERNATIONALWhat are the charges for international transactions on the Iconia Visa Credit Card?
For overseas transactions, the Iconia Visa Credit Card charges a forex markup of 3.5% of the transaction amount, along with applicable dynamic currency conversion charges. Additionally, the Priority Pass lounge usage fee is up to US $27 per person per visit unless covered under the Travel Plus programme (available at an annual fee of Rs 5,000 for up to 8 international visits per year).
FEESWhat are the cash withdrawal and late payment charges on the Iconia Visa Credit Card?
Cash withdrawal or cash advance charges are 2.5% of the advance amount, subject to a minimum of Rs 300. Late payment charges vary by outstanding amount: Nil for up to Rs 100; Rs 100 for Rs 101–Rs 500; Rs 350 for Rs 501–Rs 1,000; Rs 550 for Rs 1,001–Rs 10,000; and Rs 700 for amounts above Rs 10,000. The interest rate on unpaid balances is 3.83% per month (46% per annum).
USAGEHow can I pay my Iconia Visa Credit Card bill?
You can pay your IndusInd Bank Iconia Visa Credit Card bill through multiple modes: Mobile Banking via the INDIE app, Internet Banking under the Fund Transfer section, Cheque or Draft drop boxes at branches and ATMs, NACH (National Automated Clearing House) facility by submitting a duly filled form, or Auto Debit from your IndusInd Bank account. The card also offers a 50-day interest-free period from the date of statement generation, provided the total amount due is paid in full.

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