IndusInd Golf Offer Credit Cards in India 2026

No annual fee from the 2nd year onwards

1.9% cashback on online spends (except travel) || 0.75% cashback on offline spends

• 2.50 rewards points (worth ₹1.87 as cashback), on every ₹100 you spend on online purchases except travel
• 1 reward point worth (worth ₹0.75 as cashback), on every ₹100 you spend on offline purchases
• Reward points redemption: 1 reward point = ₹0.75, and can be redeemed as cashback into your credit card statement. You can also convert reward points to Singapore Airlines Krysflyer Miles at a slightly lower rate. 1 reward point = 0.50 Krysflyer Miles

Restrictions & exclusions 

• 1.50 reward points (worth ₹1.12 as cashback), on every ₹100 you spend on online travel
• 0.70 reward points on every ₹100 you spend in the following categories – utility bills (online and offline), insurance premium, government and education, fees, real estate/rental payments.
• No cashback is given on fuel spends. Call centre transactions and standing instructions are treated as offline spends

Complimentary access to airport lounges in India – 1 time per quarter

Complimentary access to airport lounges abroad –  1 time per quarter

Bookmyshow Buy One Get One Free Offer: 3 free movie tickets (up to ₹200 each) every month

• Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
• This offer can be availed maximum 3 times per month.

Complimentary golf benefits in India – 1 free golf rounds per month AND 1 free golf lessons per month. You need to spend a minimum of ₹25,000 in the previous month

24/7 emergency roadside assistance (Legend Auto Assist): Services include on-the-spot mechanical/electrical repairs, emergency fuel supply, flat tire service, lost keys assistance, battery service, emergency towing, and accident management.

24/7 concierge services (Legend Concierge Services): Services such as global trip assistance, including pre-trip guidance, hotel and flight bookings, sports and entertainment ticket reservations, exclusive event bookings, and worldwide delivery of flowers and gifts.

Total Protect: This covers your card for unauthorised transactions in case of –

• Loss or theft of the card 
• Counterfeit fraud (in case of card details being stolen and used unscrupulously with counterfeit plastic)
• Protection is up to the credit limit of your credit card.

Air accident cover of ₹25 lakhs

Lifetime Free Credit Card 

Travel Benefits 

• Domestic lounges: 2 visits per quarter 
• International lounges: 2 visits per year 
• Low forex markup: 1.5% on international transactions

Movies & Golf

• BookMyShow movie tickets: 1 ticket (up to ₹500) every 6 months, maximum 2 tickets per year
• Golf: 1 free round OR 1 free lesson per quarter

Roadside Assistance (Legend Auto Assist): 

24/7 emergency services - 

• On-spot mechanical/electrical repairs
• Emergency fuel supply & flat tire service
• Lost key assistance & battery service
• Emergency towing & accident management

Concierge Services (Legend Concierge): 

24/7 premium assistance - 

• Global trip planning & pre-trip guidance
• Hotel & flight booking assistance
• Sports & entertainment ticket reservations
• Exclusive event bookings
• Worldwide flower & gift delivery

Total Protect Coverage

Unauthorized transaction protection up to credit limit for:

• Lost or stolen card incidents
• Counterfeit fraud (card details theft & misuse)

Air accident cover of up to ₹25 lakhs

1% fuel surcharge waiver on all fuel transactions between ₹400 and ₹4000 

Tiered Rewards Program

Annual Spending Slabs

• Up to ₹1 lakh: 0.4% cashback (1 point per ₹100)
• ₹1-2.5 lakh: 0.8% cashback (2 points per ₹100)
• ₹2.5-5 lakh: 1.6% cashback (4 points per ₹100)
• Above ₹5 lakh: 2.4% cashback (6 points per ₹100)

Point Value & Examples

• 1 reward point = ₹0.40 cashback
• Example 1: ₹6 lakh annual spend = 20,000 points = ₹8,000 cashback (1.33% effective rate)
• Example 2: ₹3 lakh annual spend = 6,000 points = ₹2,400 cashback (0.8% effective rate)

Important Exclusions

• No rewards on: Fuel, utilities, insurance, government services, education, real estate, rent