IndusInd Bank has announced major changes to its credit card rules that will come into effect from June 15, 2026.
The revised rules cover interest calculations, fuel spending, transportation expenses, foreign transactions, and late payment charges.
The changes could impact millions of cardholders, especially those who do not pay their credit card bills in full every month.
Partial Bill Payments Will Cost More
Customers who make only partial payments on their credit card bills may face higher costs under the new rules.
The bank said interest on unpaid balances will continue as before. In addition, interest may also be charged on new purchases made after a partial payment.
To regain the interest-free period, customers will need to pay their full outstanding balance on time for two consecutive billing cycles.
Financial experts recommend paying the full credit card bill every month to avoid extra interest charges.
New Charges on Fuel and Transportation Spending
IndusInd Bank has reduced the fuel spending limit for most standard and mid-segment credit cards.
Customers who spend more than ₹30,000 on fuel in a single statement cycle will now be charged 1% plus GST on the excess amount. Earlier, this limit was ₹50,000.
The bank has also introduced a new charge on transportation-related expenses. If spending on cabs, buses, railway tickets, tolls,
and other transport services exceeds ₹40,000 in a statement cycle, a fee of 1% plus GST will apply to the excess amount.
Air travel expenses are excluded from this rule. Some premium cardholders will also remain exempt from these charges.
Higher Fees on Foreign Transactions and Late Payments
IndusInd Bank has increased the Dynamic Currency Conversion (DCC) fee on foreign currency transactions.
For most standard and Tiger credit cards, the DCC fee will rise from 1% to 2% plus GST. However, certain premium credit cards will continue to attract only a 1% fee.
The bank has also revised its late payment charges.
Outstanding balance of ₹501 to ₹1,000: Late fee of ₹500
Outstanding balance of ₹5,001 to ₹10,000: Late fee of up to ₹750
Selected premium credit cards may receive waivers on these charges.
What Cardholders Should Do
Before June 15, cardholders should review the updated credit card terms and fee structure carefully.
Paying the full bill on time every month can help avoid additional interest and late payment penalties. Customers should also keep the new fuel, transport, and foreign transaction charges in mind while using their cards.
Regular cardholders may need to monitor their spending more closely, while premium card users should check whether they are eligible for fee waivers.
Responsible credit card usage can help save money and maintain a good credit score.
