There’s important news for IndusInd Bank credit card users. The bank has announced several changes to its credit card rules that will take effect from June 15, 2026.
The new rules cover interest charges, fuel spending, transport expenses, foreign transactions, and late payment fees. These changes could impact millions of customers, especially those who do not pay their bills in full every month.
Partial Bill Payments May Become More Expensive
Customers who pay only a part of their monthly credit card bill should be extra careful.
According to the bank, interest on unpaid balances will continue as before. However, interest may now also be charged on new purchases made after a partial payment.
To restore the interest-free period, cardholders will need to pay their full outstanding balance on time for two consecutive billing cycles.
Because of this, financial experts recommend paying the full credit card bill every month whenever possible.
New Charges on Fuel and Transport Spending
IndusInd Bank has revised its fuel transaction policy for most standard and mid-range credit cards.
Customers who spend more than ₹30,000 on fuel in a single statement cycle will now be charged 1% plus applicable GST on the excess amount. Earlier, this limit was ₹50,000.
The bank has also introduced charges on transportation-related expenses.
If spending on cabs, buses, railway tickets, tolls, and similar transport services exceeds ₹40,000 in a statement cycle, a 1% fee plus GST will be charged on the excess amount.
However, air travel expenses are excluded from this rule. Some premium cardholders will also remain exempt from these charges.
Foreign Transaction and Late Fee Rules Changed
The bank has increased the Dynamic Currency Conversion (DCC) fee for foreign currency transactions.
For most standard and Tiger credit cards, the DCC fee will now be 2% plus GST, compared to 1% earlier. Certain premium cards will continue to enjoy a lower fee of 1%.
Late payment charges have also been revised.
For example, customers with an outstanding balance between ₹501 and ₹1,000 will now have to pay a late fee of ₹500.
Similarly, balances between ₹5,001 and ₹10,000 can attract a late payment charge of up to ₹750. Some premium cardholders may receive a waiver on these charges.
What Cardholders Should Do Now
Before June 15, customers should carefully review the updated credit card terms and fee structure.
Paying the full bill on time every month can help avoid additional interest and late payment charges.
Cardholders should also keep the new fuel, transport, and foreign transaction rules in mind while using their cards.
For premium card users, it is worth checking which fee waivers and benefits remain available. Regular cardholders, meanwhile, should monitor their spending and payment habits more closely.
Using a credit card responsibly can help save money and maintain a healthy credit score.
